3 independent projects
Three investment plans. Each project will have its own holding company, to be set up in Luxembourg, its own funding and its own exit. All are driven by artificial intelligence, which sells, answers, invoices and follows up day and night, weekends and public holidays included: the customer who buys at three in the morning is served just like the one at noon.
An investor may choose one, two or all three. In each case, the money is released in three conditional tranches and goes mainly to marketing: the services are built; what they lack is customers.
The investor holds 49% of the holding company, acquired as the tranches are paid: about 29% of the issued capital after the first, 43% after the second, 49% on completion of the third; the project is sold at the close of the sixth financial year. On the sale, the investor is first repaid 51% of their stake, the share the founders were unable to contribute in cash; the balance is then shared in proportion to shareholdings, 51/49. The returns shown ignore this priority: they are floors.
Our market studies give each of these projects real potential, but the ambition is not to dominate these markets: it is to take a modest, measurable share of them, by concentrating the investment on one thing: making services that already exist known, quickly.
The tests conducted to date have been carried out by the founding team; the beta-testing phase with real users opens at launch, driven by the first advertising budget.
The partnership between founders and investors is a one-off, and that is its strength: it seeks neither to build a group nor to last. It serves to launch each project, to specialise its artificial intelligence in its trade, and to bring it to a sale within five years. Everyone knows on the way in why they are there, and how they get out.
A specialised, profitable, self-running service sells well. That is what this partnership builds: at the sale, each project will be a proven business, with a measured customer base, clear accounts, and operations that depend on no single person. The plans assume a prudent valuation of one and a half times revenue; a specialised, demonstrated asset may command more, and no figure on this site assumes that premium: if it comes, it is additional.
Three projects, three exits, one method: measure, prove, sell.
What this site is, and what it is not
It is the entry point to three funding requests presented in a single proposal. It is not a fund, a collective vehicle or a pooled investment: each project has its own company, its own accounts and its own exit, and an investor enters one of them, not all three by default.
Why now?
General-purpose models are progressing fast, and some predict a major leap within two to three years. We do not treat this as a forecast; we draw three consequences from it.
A different economy is taking hold, in which the service is produced without labour: one more customer does not require one more employee, and the margins in these plans, from 70 to 78%, are not a promise but the cost structure these three services already have.
The cost of rented artificial intelligence is falling at constant quality, and none of these plans relies on that decline.
Finally, the window is closing. Establishing a specialised service, with its trade data and its customer base, becomes harder as general-purpose models improve: what can be defended in 2027 will no longer be defensible in 2030. This is what drives the timetable; it is not a sales pitch.
Who does the work, if the team is 3 people?
It is the question the salary scale raises: for example, the €10,985,600 of revenue that Astrioni's plan projects for the 6th financial year, handled by a handful of people, looks at first like a spreadsheet error. The explanation lies in the positions that are not filled, because the machine fills them. In an online services company, what can be delegated today covers most of the functions that, yesterday, determined headcount.
Development and technical operations. Writing code, deployment, server monitoring, fixing routine incidents. No developer position is budgeted in these plans, and no external development services appear in the forecasts.
Producing the service sold. This is the core: the reply to the customer, the consultation, the analysis, the document delivered. The service is produced on demand, within seconds, with no queue and no schedule to keep.
Advertising and editorial content. Visuals, ads, videos, pages, listings and sales copy. The advertising budget pays for media space, never for making the ads: there is no designer, no agency and no copywriter.
Languages. The 6 languages of the target market are handled without translators or local offices, for the product as well as for advertising. This is what makes a European market accessible to a team of 3 people.
Customer relations. Requests are handled 24 hours a day, every day, in the customer's language. Human intervention remains possible; it is the exception, not the normal way of working.
Administration and management reporting. Payment collection, credits, invoices, reminders, but also the monitoring dashboards: customer acquisition cost by cohort, usage, alerts. These are the figures on which the tranches are conditional, and they are produced automatically.
What remains for the team is of a different order: designing the service, building this machine, monitoring it, deciding on spending and handling what the machine declines to handle.
This is work that does not grow with the number of customers. The forecasts remain prudent on this point: the payroll budget funds up to 6 people in the 6th financial year, whereas the base case assumes 3. Even at 6, the broadest assumption, it leaves more than €1.8 M of revenue per person.
This organisation is not a projection awaiting funding. It is already the one that produced the three services, live today, before a single euro of investment and without a single payslip.
The three projects, side by side
They are listed in order of readiness, from the most advanced to the least advanced, not by amount.
Swipe the table to the left to see all three projects.
ADUCTORI |
IIRMAA |
ASTRIONI |
|
| Type of market | Consumer | Consumer | Businesses |
| What is sold | Round-the-clock listening, from €0.05 to €0.09 per question | Divination consultations, from €3.50 to €15 | Seven pay-per-use AI services, from €1 excl. VAT, minimum top-up €10 |
| Product status | Live, able to take payments now | Live, 13 services delivered, could take payments now | 8 sites live, 3 engines out of 7 ready for operation |
| Market | European, 6 languages | French-speaking for 12 months, then English-speaking for 12 months, then the rest | European, 6 languages |
| Amount requested | €900,000 | €1,000,000 | €1,200,000 |
| Revenue at the end of the plan (calculation method in the full business plan) |
€9,776,600 | €6,914,700 (French-speaking market only) | €10,985,600 |
| Exit value · 1.5 × revenue, low estimate | €14,664,900 | €10,372,000 | €16,478,400 |
| Investor's share · 49% of the exit value, before priority repayment of 51% of the stake (floors) | €7,185,800 | €5,082,300 | €8,074,400 |
| Return on investment | 8.0× | 5.1× on the French-speaking market alone | 6.7× |
A caveat for the reader
The Aductori and Astrioni columns are costed on six languages, Iirmaa's on one only. Opening the other five multiplies its addressable market by four, without a single euro of this being included in either its plan or its multiple.
The business plan, on request
A summary business plan covering the three projects is available on request: an overall presentation, then one plan per project, with the figures year by year, the fund release mechanism, the escrow, the team and the exit. Written in French.
Write to us through the Contact us form, the last link in the navigation menu, stating which of the three projects you are considering. We send it with the supporting documents within two working days.
See for yourself, now, without us
Best opened on a computer: that is where the sites are shown in full, animations included.
- Aductori, aductori.com: the site is functional and its payment system is active.
- Iirmaa, iirmaa.fr: the site, in French only, is functional and currently offers a beta-test version to its visitors.
- Astrioni, astrioni.com and its seven satellites: all eight sites are live as showcase sites, and three business engines can be used directly.
Why would anyone pay for Sophia, when AI assistants answer for free?
This is an investor's first objection, and it is a legitimate one. The answer lies in the subject itself. What people confide in Sophia, they confide neither to someone close nor to anyone who knows them: they fear being judged, or that it will get out, or that it will one day be used against them. Until now, the other recourse was a psychologist: around €60 a session, and an appointment that can take weeks to get. Yet the need to talk does not wait. It arises at 11 pm on a Sunday. Sophia answers at that very moment, 24 hours a day, 7 days a week, for €0.05 to €0.09 per question. She does not present herself as a therapist and refers people to a professional when needed. She occupies the space between silence and the consulting room.
Compared with free services, the difference is not the price but the use. A general-purpose assistant changes stance from one question to the next and is bound by no framework. Sophia has only one role. She keeps the same stance throughout the exchange, remembers what she has been told and never makes a diagnosis. As soon as a message suggests danger, a safety net independent of the AI provides the country's emergency numbers. This continuity brings the user back, and it is on that return, not on the first question, that the credit model rests.
Then there is trust, which matters more the more one confides. The major assistants store the conversations of millions of people, most often on another continent, under other laws, and their terms of use can change. Aductori asks only for an email address and builds no advertising profile. It stores conversations in Europe, under the GDPR, and deletes them with the account. Drafting the replies still relies on external providers, under standard contractual clauses. The in-house model planned after the investment will end this, and will make confidentiality an argument that free services cannot match.
Astrology or tarot by AI: don't customers prefer a real clairvoyant, face to face?
Some do, and they will continue to consult one. But Iirmaa does not sell clairvoyance in the usual sense: no supposed gift, no promised prediction, no fictitious practitioner. Astrology, numerology and tarot reading are systems of symbolic interpretation, codified frameworks for reading passed down over centuries: the planets and their influences, the arcana and their meanings, the numbers and their vibrations. A consultation applies these correspondences to a person. These frameworks can be learnt and reproduced, and that is precisely what AI handles with consistency and depth. Each reading starts from the real birth data, calculated by our own engine, whereas the free horoscope serves the same text to everyone.
Face to face comes at a price: from €60 to €350 per consultation with a practitioner, by appointment, and €1.80 to €9.50 per minute on telephone platforms. Irma answers at any hour, 24 hours a day, 7 days a week, without an appointment, for €3.50 to €15 per full consultation. The plan does not count on the customers who will keep their clairvoyant: it targets all those for whom that price was a barrier. The industry estimates this market at €3 to €4 billion a year for France alone, with about 100,000 practitioners, and one adult in four says they have already consulted one (IFOP, 2020). The plan deliberately assumes a much lower base: €1 to €2 billion for the whole French-speaking market.
The ambition is not first place. A modest share of this market is enough for the plan to hold, and the investment goes mainly to marketing, since the service is already built. The timetable is the same as for the other two projects: investment, operation, sale at the close of the sixth financial year. The buyer then takes over a business with clear accounts and an AI specialised in its trade by six years of consultations. On the French-speaking market alone, the plan projects a return of 5.1 times the stake, before the other five languages are even opened.
Eight sites and seven services: isn't that too scattered?
The question is a fair one, and the answer lies in the architecture. Astrioni does not sell seven separate products: it sells a single account. The hub, astrioni.com, handles registration, credits and invoicing. Each of the seven satellite sites is an entry point, focused on a specific problem of a self-employed professional or a small business:
- mapping one's local competitors and one's position in the local rankings (Arkhoni);
- having one's website, Google reviews and brand presence on the web audited (Athenori);
- having one's Google Business profile and social media posts written (Asteroni);
- identifying what is missing around a location before starting or taking over a business (Actaoni);
- drafting the right follow-up to a prospect, by email, SMS, WhatsApp, LinkedIn, letter or call script (Aedironi);
- monitoring one's online reputation at the chosen frequency and replying to reviews (Argyroni);
- building a contact base through a prize competition (Alearoni).
This is what drives the project's economics. A customer comes in through one door and discovers the other six: same account, same credits, no new registration. Each service they add increases revenue per customer without any additional customer acquisition cost. It is the only place in the model where an additional sale costs nothing. Seven doors also means seven ways of being found, each site having its own name and search ranking, where a single platform would have only one. There is no subscription, so nothing to cancel. Credits do not expire, and every eleventh identical service is free.
The scattering would be real if seven teams were needed. Not a single extra one is: the eight sites share the same technical base, the same account and the same invoicing. The AI performs in a few seconds what used to cost hours of consultancy or €100 to €500 a month in specialised tools, from €1 excl. VAT per use. All eight sites are live, and three engines out of seven can already be operated. At the sale, it is precisely this architecture that a buyer pays for: a portfolio of services that sell one another. The plan assumes no premium for this and projects 6.7 times the stake. Even with revenue per customer cut by a quarter, it still yields 5 times the stake.
High-risk investment
These are companies in the process of formation. The capital may be lost in its entirety. The figures presented are projections built on stated assumptions, not results. Nothing on this site constitutes a public offer, a solicitation or investment advice: the investment pack is provided on request to sophisticated investors, and any commitment is governed by a written contract.
The three projects
Each is presented in order of readiness. For each: what it sells, where it stands today, what remains to be built, and what it is asking for.
ADUCTORI
An artificial intelligence that listens around the clock, for at most €0.09 per written exchange.
Sophia answers those who have no one to talk to at three in the morning: emotional dependency, hypersensitivity, identity, grief. She never claims to replace a doctor or a therapist, and says so.
Open aductori.com →- Live, and able to take payments now. The text chat is complete; Sophia is in open beta, each exchange can be rated by the member and this feedback is used to tune the model; audio and video remain to be developed.
- Six languages, eleven countries covered, as of today. Opening up across Europe requires no development: the service is already translated and live.
- €900,000 requested, released in three tranches of €390,000, €310,000 and €200,000.
- Profitable from the 3rd financial year, first profitable month: month 20; peak cash requirement €579,400.
- €9,776,600 of revenue in the 6th financial year, a 75% margin on net revenue (excl. VAT), and a customer acquisition cost of €12.
- €14,664,900 valuation at the sale, i.e. 1.5 times revenue. This is the low assumption: the plan uses the lower of two methods, 1.5 times revenue or 6 times profit.
- €7,185,800 for the investor, i.e. 49% of this valuation and 8.0 times their stake. The sale is initiated at the close of the 6th financial year only if revenue reaches at least €4,000,000; below that, it is postponed by two years and the project distributes half of its profit in the meantime.
IIRMAA
Divination consultations produced by artificial intelligence, delivered 7 days a week, from €3.50 to €15 instead of €60.
Astrology, tarot, numerology, birth chart: thirteen services already delivered, on a platform that is running and whose payment system is active.
Open iirmaa.fr (in French) →- Live, in beta testing, payment active. The service is open to the public and ready to leave beta.
- The astronomical calculation is done in-house. The sky chart engine was written internally: no royalties and no obligation to open the code, unlike the standard industry library, whose licence requires it.
- French only for twelve full months, then English only for twelve months, then the last four languages together. This is not a translation delay; it is a decision about support workload.
- €1,000,000 requested, in tranches of €430,000, €350,000 and €220,000.
- €6,914,700 of revenue in the 6th financial year, a 70% margin on net revenue (excl. VAT), on the French-speaking market alone. Not a single euro from the other languages is included in the plan.
- €10,372,000 valuation at the sale, i.e. 1.5 times revenue. This is the low assumption: the plan uses the lower of two methods, 1.5 times revenue or 6 times profit.
- €5,082,300 for the investor, i.e. 49% of this valuation and 5.1 times their stake. The sale is initiated at the close of the 6th financial year only if revenue reaches at least €4,100,000; below that, it is postponed by two years and the project distributes half of its profit in the meantime.
ASTRIONI
Seven artificial intelligence services sold per use to the self-employed, micro-businesses and SMEs, from €1 excl. VAT per use, minimum top-up €10.
No subscription, no quote, no salesperson: the customer buys an analysis, receives it, and leaves. It is the only project in this proposal aimed at businesses.
Open astrioni.com →- Eight sites live: Astrioni is the hub, where the account, credits and invoicing are kept, and gives access to the other seven. Arkhoni shows who your competitors are, Athenori analyses your website, Asteroni writes your posts, Actaoni tells you what is missing, Aedironi writes your follow-up messages, Argyroni monitors your reviews, Alearoni runs a prize competition.
- Three engines out of seven can be operated directly; four remain to be finished, along with centralised payment and the administration console.
- €1,200,000 requested, in tranches of €520,000, €420,000 and €260,000.
- €10,985,600 of revenue in the 6th financial year, a 78% margin on net revenue (excl. VAT), the highest of the three, because business customers spend more per purchase.
- €16,478,400 valuation at the sale, i.e. 1.5 times revenue. This is the low assumption: the plan uses the lower of two methods, 1.5 times revenue or 6 times profit.
- €8,074,400 for the investor, i.e. 49% of this valuation and 6.7 times their stake. The sale is initiated at the close of the 6th financial year only if revenue reaches at least €5,000,000; below that, it is postponed by two years and the project distributes half of its profit in the meantime.
Each stands on its own without the other two
Each project will have its own company, its own accounts and its own exit. An investor may choose one, two or all three. Each budgets its complete set-up without assuming that another will be funded at the same time: this proposal may interest only one investor for only one project, and that project must then bear its incorporation costs and its lease on its own.
These amounts are projections, not results
These are companies in the process of formation, and the capital may be lost in its entirety. The sale amounts shown above assume that the plan is achieved and that the revenue threshold is reached; if it is not, the sale is postponed by two years and the project distributes half of its profit in the meantime. Nothing on this site constitutes a public offer, a solicitation or investment advice.
What the three projects share
Different markets, but the same mechanics underneath: how the money is released, how the service is invoiced, where the companies are established, and how an investor exits.
Swipe the table to the left to see all three projects.
| Tranche | When | ADUCTORI | IIRMAA | ASTRIONI | What it is for |
| 1 | Months 1 to 9 | €390,000 | €430,000 | €520,000 | Set up the companies, open the markets, measure customer acquisition cost |
| 2 | Months 10 to 18 | €310,000 | €350,000 | €420,000 | Strengthen the markets that respond, reach cruising speed |
| 3 | Months 19 to 27 | €200,000 | €220,000 | €260,000 | Secure cash flow, strengthen the team |
€68,000 per project is held by a lawyer, not by us
The first tranche funds expenses incurred before any company exists: a notary cannot be paid from the account of an entity the notary has not yet incorporated. This is the window in which the investor is most exposed, and it calls for a dedicated arrangement: an escrow account held by the investor's lawyer, their usual lawyer, appointed before any tranche is paid. The incorporation invoices that follow (notary, accountant, tax lawyer, lease) are addressed to that lawyer, who pays them against supporting documents. None of these sums passes through us.
- Tax lawyer, €30,000: structuring, intellectual property regime, shareholders' agreement.
- Notary, accountant and disbursements, €20,000: incorporation, articles of association, capital deposit, chart of accounts.
- Office rental, €18,000: twelve months prepaid at €1,500; the lease is a condition of the business permit.
These are ceilings, not quotes. Published hourly rates for the Luxembourg bar range from €300 for a junior associate to €545 for a senior associate: €30,000 therefore buys 55 to 100 hours. We prefer a generous ceiling to a call for further funds in the middle of the set-up, since whatever is not used returns to the company.
The balance is released against four proofs
This is not the investor's second tranche; it is the rest of the first. As soon as the founder establishes, with supporting documents, that the structure exists and is operating, the balance is paid into the operating company's account.
- 1. The companies are incorporated: extract from the Luxembourg Trade and Companies Register (RCS), articles of association filed, capital paid up.
- 2. The business permit is obtained. This is a requirement specific to Luxembourg: without it, no activity can legally begin, and it requires premises and a qualified manager.
- 3. The lease is signed and paid for twelve months.
- 4. A bank account is opened in the company's name alone, and is operational.
Two points are settled in writing before any funds enter the escrow, and they are settled with the investor: the name of the lawyer, who is the investor's own (their usual lawyer: an escrow chosen by the founder alone would be worthless to the person depositing their money) and a deadline, the date by which the four proofs must be assembled. After that date, the lawyer returns to the investor whatever they still hold, less only the sums already paid out against invoices. No automatic extension.
Summary
None of the three tranches is guaranteed in advance. Each is subject to a written condition, and an unmet condition stops the spending rather than continuing it.
- The first is split into two parts. Only €68,000 goes into the escrow of a lawyer appointed by the investor. All the rest of the tranche, which is by far the larger part, reaches the operating company's account only once the structure has been established with supporting documents: companies incorporated, business permit obtained, lease signed and paid, bank account opened. A condition precedent is added: the sites, the domain names, the payment account and the contracts are transferred to the Luxembourg company that is to hold them.
- The second is conditional on the customer acquisition cost actually observed over months 4 to 9, on real cohorts, and the threshold is specific to each project: less than €13 for Aductori, with a projected lifetime of at least twelve months; less than €39 for Iirmaa; less than €53 for Astrioni. This is the most important provision in the proposal: it places verification before the heavy spending, not after. Above the threshold, the project is renegotiated rather than continued, and advertising stops the following month.
- The third secures cash flow and strengthens the team, at the point when the plan goes through its last trough. No numerical threshold applies to it, and we say so rather than invent one: it is the investor's decision, and the investor keeps control to the end. A tranche that is not released also freezes the salary scale, which rises only with the tranches.
What the investor holds, and what they can block
The 51/49 split applies only to the capital of the holding company; the holding company owns 100% of the operating company, which collects payments and invoices. It therefore amounts to 49% of the whole group, and no asset is held in a third-party entity.
49% is not a passive stake. In a Luxembourg public limited company (société anonyme), extraordinary decisions require a two-thirds majority: the investor therefore holds a genuine blocking minority, not merely a right to dividends.
A detailed term sheet is signed before any tranche is paid, and the shareholders' agreement is signed at the closing of the first tranche, at the same time as the first disbursement. The actual sequence is as follows: the term sheet sets out in writing the reserved matters, the timetable for the 49%, the exit and the distribution priority; the investor then deposits the €68,000 with their own lawyer, the one they already work with. We get in touch with that lawyer and send them the incorporation invoices, including the fees of the Luxembourg tax lawyer, and it is the lawyer who pays them, against supporting documents. This payment triggers the legal work, which produces the articles of association, the contribution deed and the shareholders' agreement, signed at the closing of the first tranche.
What this means for the investor, plainly: if they stop after this first stage, the sums already paid out by their lawyer against invoices are not returned to them. These are costs actually incurred, not a provision. It is the only point in the arrangement where they commit without a guarantee of return, and it concerns €68,000, not the whole tranche: everything that has not been paid out is returned to them by their lawyer on the deadline, with no automatic extension.
What artificial intelligence requires of us
The three services rely on generative models sold to individuals and businesses in the Union: they fall within the scope of the EU AI Act, whose obligations have been phasing in since 2025.
Three product choices follow from this, and they predate the regulation. The use of artificial intelligence is disclosed, never hidden behind a fictitious practitioner. Iirmaa is positioned as personalised entertainment, not as prediction. Sophia makes no diagnosis, recommends no treatment, and tells the user so: the limit is enforced in the model itself, not only in the terms of use.
The same approach to artificial intelligence
All the services currently call external models through an API. Two separate providers are permanently connected and genuinely share the requests, with automatic failover from one to the other in the event of an outage, a missing key or a timeout. Neither is a dormant backup whose working state is unknown: an outage or a price rise at one of them stops no service.
An in-house model is planned after the investment. The aim is not raw performance, but turning a variable cost into an asset: rented artificial intelligence accounts for 14 to 22% of revenue and grows in step with revenue. The work is carried by the first employee, whose position is already in the salary scale, and is conducted on the existing infrastructure: it opens no line of expenditure that the forecasts do not already carry. No effect of this project is included in the forecasts, which bear the external cost over the whole period.
This transition is not an architectural gamble. Conversations are stored in our databases, as text, with no vector index that would need rebuilding, and the gateway sends no conversation identifier to the provider: the context is rebuilt with each call. Aductori and Iirmaa already switch provider mid-conversation, in production, with the same memory. What does not transfer is not the data but the voice: the same framing text on another model does not produce exactly the same character, and this recalibration is planned for.
Credits bought in advance, never a subscription
Customers buy what they use and stop when they wish. No recurring direct debit, no cancellation to remember, no forgotten charge. This costs us a steadier revenue line, and in return buys us longevity: no one feels trapped.
Luxembourg, and what it costs
One holding company per project, corporate income tax at the aggregate rate of 23.87%, partial exemption of up to 80% on intellectual property income. Substance is not declared, it is paid for: real premises, a real lease, a manager on site. It costs more than a low-tax jurisdiction, and it withstands scrutiny.
A small team, paid below market
€6,000 gross per month for a founder, when the Luxembourg market for these profiles ranges from €7,000 to €12,000. A tranche that is not released freezes the salary scale.
One employee per company at launch, so two per project, one in the holding company and one in the operating company: two of the three founders, including the qualified manager on whom the business permit depends. The third is hired at the second tranche, earlier if the workload requires it. The salary scale is a ceiling, not a commitment: €6,000 gross per month per founder at launch, then at most €6,500 and €7,000 as the team grows, i.e. no more than €94,500 of employer cost per position, employer social contributions included. Any salary paid below it stays in the company. This is the ceiling budgeted for the founders, and the budget is not limited to them: it funds up to six people in the sixth financial year, with hires made after the three founders budgeted at no more than €4,000 gross per month, so that reinforcement does not require going back to the investor. The base case assumes three. The difference feeds the advertising budget and is nowhere counted as a gain. Experienced artificial intelligence profiles command €13,000 to €15,000: the salary scale adopted is below the market's entry level, not merely at its lower end.
Before becoming an employee, the third founder provides support without pay. This is not a cash-flow device: it is their contribution, the one they cannot make in cash, and it is this same imbalance that the priority repayment at the sale corrects.
The published salary scale
This is the "salaries and expenses" line of the simulator, broken down year by year. It applies per project, each having two companies: the holding company and the operating company.
| Financial year | Headcount | Gross salaries | Social contributions | Expenses | Total |
|---|---|---|---|---|---|
| 1st (3 months) | 2 | €36,000 | €4,500 | €27,400 | €67,900 |
| 2nd | 3 | €166,500 | €20,800 | €64,600 | €251,900 |
| 3rd | 3 | €247,500 | €30,900 | €71,200 | €349,600 |
| 4th | 4 | €300,000 | €37,500 | €105,800 | €443,300 |
| 5th | 5 | €348,000 | €43,500 | €147,500 | €539,000 |
| 6th | 6 | €396,000 | €49,500 | €164,800 | €610,300 |
The founders' salaries follow the tranche rule: €6,000 gross per month until the second, €6,500 thereafter, €7,000 from the third. Luxembourg employer social contributions are counted at 12.5%. Hires made after the three founders are budgeted at no more than €4,000 gross per month: this is what allows headcount to grow without the payroll running away.
Expenses in the first financial year include the initial equipment: servers and switches for €18,000 and workstations for €7,000. Rent is not included: the first twelve months are prepaid through the escrow, so it appears only from the thirteenth. The following financial years include the rent, the fiduciary firm and the accounts of both companies, the statutory auditor, hosting, tools and insurance.
This salary scale is a budget, not a commitment to hire. The team grows as needed, and the base case costs less than the budget. The difference feeds the advertising budget and is nowhere counted as a gain.
The exit, at the close of the sixth financial year
The investor holds 49% of the holding company once the three tranches have been paid. The valuation uses the lower of two methods (1.5 times revenue and 6 times profit), and revenue is the determining factor in all three projects. If the revenue threshold is not reached, the sale is postponed by two years and the project distributes half of its profit in the meantime.
Who is behind this?
What exists today, and what we do not claim.
The team, and why it is not named here
Two of us are still bound by a permanent employment contract. As long as these contracts run, this site gives no names, no career histories and no employers.
This is not a reservation on substance. CVs, references and each person's role are presented in person at the first meeting, then documented. It is an ordinary precaution, and it follows the same rule as the rest of the proposal: nothing irreversible is committed before the structure is.
Years of trials before the first euro requested
There are three of us, from the same family, all web developers, and we have followed artificial intelligence since it left the laboratories. We did not study it by reading: we studied it by producing, because a tool only shows where it gives way when it is asked to deliver.
Eight virtual authors, each with their own genre and catalogue, and some sixty books published under their names (bookorama.eu). Around a hundred music videos (projets-ia.org), including an educational series for children (c-pafo.com). These three sites are in French only. None of this work was designed to make money. All the books were indeed put on sale on Amazon KDP, but for a reason other than revenue: to obtain the judgement of readers who had paid, the only kind no internal trial can provide. They were test benches, and each one identified a specific limit.
The music videos served for a test that text alone did not allow: that of sung lyrics. A few bilingual songs, others tested in seven different languages. A wrong pronunciation can be heard, whereas a clumsy translation is barely noticed in reading.
This is not done in a few clicks. It is a complete chain, and at the time it ran without agents, directly with Claude or ChatGPT: translation of the lyrics by artificial intelligence, then composition and performance by a music generation program, then creation of the still images, then their animation, then the video editing. Five different trades, five different tools, and one weak link is enough to spoil the whole. It is by linking these steps together that one learns where each gives way, and it is this experience that produced the method described below.
The most decisive thing is not what we produced, but what we observed from one series to the next: the limits noted the previous time had disappeared. We saw artificial intelligence progress on our own work, month after month, from one version to the next. It is this acceleration, more than any demonstration, that made up our minds.
Then came the artificial intelligences specialised in software development. We have since worked with Codex and Claude Code, among others, and we drew from this the conclusion that governs everything else: an artificial intelligence is now capable of developing and running an entire business on its own, provided it is led by people who know how to tame it, or rather to prompt it (the prompt is the written instruction it is given: everything else depends on its precision), and who can read what it writes.
The three projects presented here are the test of this conclusion. They are neither mock-ups nor intentions: they are built, they are live, and they are open to investment.
What we lack is neither technical skill nor the ability to run these businesses: it is capital. They were built and put online through our own work alone, and it is to carry them through to financial self-sufficiency that we are approaching investors.
What an agent is, and why we gave each one a trade
Agents came later, and they changed everything. An agent is not a conversation with an artificial intelligence. It is a trade assigned to it once and for all: a written mandate, rules, an output format, and a prohibition on doing anything else. It is not asked for an opinion on the whole; it is entrusted with one task and relieved of all others.
Each works alone, without seeing the work of the others, and that is precisely what makes its verdict usable: it has not been influenced by the one before it. A proofreader who had written the text would not find their own mistakes.
When we launched them, we trained them on books. The production of the last titles published on Kindle Direct Publishing, Amazon's self-publishing platform, served as their school: one title after another, the same agents recalled as needed and corrected frequently. An agent that has held up over dozens of books is a tuned agent.
There are eight of them, they pass the manuscript along in this order, and what comes out at the end of the chain is a complete book, typeset and ready to publish:
- The editor leads the work: framing, editorial plan, decisions, approval of the move from one version to the next, and the metadata for the Kindle listing.
- The researcher prepares the fact sheets, sources and chronologies, and hands them over before the first line is written.
- The writer writes the chapters in the style of the series, under explicit rules against the writing tics peculiar to artificial intelligence.
- The first reader reads critically and scores on six criteria: hook, pace, clarity, interest, emotion and naturalness. At the same time, they track down repetitions.
- The fact-checker checks names, dates, places and chronology, verifies the facts and cross-checks the chapters against one another.
- The art director sets the structure of the book, the box-outs, the visual specifications and the cover options.
- The proofreader makes the final pass, accents, punctuation, grammar, sentence by sentence.
- The final checker steps in after the deliverable file is generated: this is the last barrier, and any residual error sends the file back for regeneration.
Then each site received its own agents, created on demand, for what the book chain could not judge:
- Translator agents, one per language, for the six languages of the sites. Translating is not the difficulty; the difficulty is translating the same thing six times without the six versions diverging.
- Anonymous customer agents, which visit a site as an ordinary visitor would, try to buy, and report in detail on what they understood, what they could not find and the exact point where they gave up.
- A professional clairvoyant agent, which judges Iirmaa's services on the only ground that matters to those who consult them: how a consultation holds up, from the point of view of someone for whom this is their trade.
- And others besides, which we do not detail here. The skill does not lie in the tool, which anyone can buy, but in writing the mandate: it is the only asset of the team that cannot be picked up by visiting the sites. It is shown at the first meeting.
This team is not paid, does not wear out, and is called back for the next project. It is this team, not a bet on technology, that explains how three people were able to build ten sites, nine of them in six languages.
The technical foundation is written here, and it is public
One of us wrote the framework on which the ten sites run. A framework is the foundation of a site: what manages the pages, accounts, payments, languages and security, beneath what the visitor sees. This one is built for applications where security comes first, with an audit log, performance budgets and a modular architecture.
It is published free of charge under an open-source licence on GitHub, the public platform where developers publish their code and where anyone can read it, check it and reuse it. Nothing is hidden: the repository address is provided with the investment pack, and the code can be audited by your own technical adviser.
This choice has three direct consequences for an investor. The foundation is not rented from a third-party vendor, so no supplier can cut off access to it or raise its price. A security fix written once protects all ten sites on the same day, instead of being redone ten times. And code exposed to everyone's view is code that other eyes review, which no team of three people could otherwise afford.
It does not belong to the projects, and this must be stated clearly. The framework remains the property of the person who wrote it; the three companies will use it free of charge. This does not make it a dependency: the open-source licence under which it is published is perpetual and irrevocable. It cannot be withdrawn, charged for later or refused to anyone, the three companies included. No royalty is due today and none can be in the future.
Nor does it earn anything, and this is deliberate: as long as the projects generate no revenue, its distribution is worth more than a price. No revenue from the framework is included in the plans of the three projects, which expect nothing from it.
What carries the sites today
Putting the sites online and opening a payment account required an existing legal entity. For this we used an English company that one of the founders still has at their disposal, FIRST AGENCY LTD, dormant for years and kept in good standing. It therefore has no past operations to take over and no ongoing commitments: it serves as a placeholder shell, nothing more.
It is a transitional vehicle, and we say so plainly: the three projects will each be transferred to their own Luxembourg holding company, and the first tranche funds precisely these incorporations.
Why there is no marketing yet
It is not a choice; it is a consequence of the lack of funding. A thousand euros of advertising produces nothing: the sum is diluted before it has allowed anything to be measured, and spending that cannot be measured serves no purpose.
That leaves organic search, that is, what raises a site in search results without paying anything. It is free, but slow: it takes six to twelve months before a site brings a steady flow of new customers, and eighteen to twenty-four months when it is new or the market is contested. Ours are new.
The only lever that shortens this delay is paid marketing, and that is exactly what this proposal is asking for.
Without advertising, these sites are needles in the haystack that is the web. They work, they can take payments, and almost nobody knows they exist. This is not a product defect: it is precisely what the money buys here. The platforms are built; what remains is to make them known.
What we do not claim
- That everything is finished. Four of Astrioni's seven engines remain to be finished, along with centralised payment and the administration console. Aductori's audio and video are still to be developed.
- That the figures are results. They are projections built on assumptions written into the plans, and the assumption on which everything depends (the cost of winning a customer) is measured before the heavy spending, not assumed.
- That the market will reward us for existing. None of the three plans assumes taking a significant share of its market. What they assume is that the customer acquisition cost measured in the ninth month holds at cruising speed, and that is where the risk lies.
A full business plan exists for each project
The documents provided are summary versions: they state the essentials and can be read without any particular financial expertise. The projects are listed in order of readiness, from the most advanced to the least advanced.
If a project catches your interest, a full investment pack is provided on request: the monthly financial model, the detailed sensitivity analysis, the competitive landscape, the capitalisation table, the tax regime and the list of points still to be validated. The calculation model itself can be opened and re-run in front of you.
Understanding artificial intelligence before judging the projects
A guide in its 2026 edition, explaining what artificial intelligence is, what it can already do and where it stops. It is not a sales document: it is there so that an investor can form their own judgement on what underpins these three projects. The guide is currently available in French only.
Discover the AI guide (PDF in French, 169 pages) →Contact us
The investment pack is provided on request. Tell us which of the three projects you are considering: we reply within two working days and attach the supporting documents.
Links are not accepted in this form: please describe your request in full. Your contact details are used to reply to this request, and for nothing else.
Message sent
We reply within two working days, with the supporting documents.
Terms of Use
This website is for information purposes only. For general enquiries about the project, contact us at office[@]finpar.eu
1. General provisions
These Terms of Use ("Terms") govern your access to and use of this website, finpar.eu, operated by the publisher of FINPAR (see the Legal Notice). By accessing this site, you agree to be bound by these Terms.
2. Nature of the information
This website provides information about a technology project under development. All content is provided for information and educational purposes only. Nothing on this site constitutes:
- Investment advice or recommendations
- An offer to sell securities or investment opportunities
- Financial, legal or tax advice
- Guarantees of future performance or results
3. Investment warnings
Risk warning
Any information concerning potential investment opportunities involves significant risks:
- Total loss of the capital invested is possible
- Technology projects involve significant uncertainties
- Market conditions and regulations may change
- Past performance does not guarantee future results
Regulatory compliance
This website does not constitute a public offer of securities in any jurisdiction whatsoever.
4. Intellectual property
All content on this website, including text, graphics, logos, images and software, is the property of the publisher of FINPAR or its licensors and is protected by copyright and other intellectual property laws.
5. Data protection and privacy
Personal data is processed in accordance with applicable data protection law, including the General Data Protection Regulation (GDPR) and the UK GDPR. Processing on this site is limited to:
- Replying to the messages you send through the contact form
- A single technical cookie that stores your cookie choice
No analytics, advertising or tracking tool is used. Details are given in the Privacy Policy and the Cookie Policy.
6. Limitation of liability
To the fullest extent permitted by law, the publisher of FINPAR shall not be liable for any direct, indirect, incidental, special or consequential damages arising from your use of this site or your reliance on any information contained in it.
7. Forward-looking statements
This website contains forward-looking statements concerning future plans, expectations and projections. These statements are based on current expectations and assumptions and are subject to risks and uncertainties. Actual results may differ materially from those projected.
8. External links
This website may contain links to third-party websites. We are not responsible for the content, privacy practices or availability of external sites. Access to such sites is at your own risk.
9. Changes
We reserve the right to modify these Terms at any time. Changes take effect immediately upon publication. Your continued use of the website after the changes constitutes acceptance of the modified Terms.
10. Governing law and jurisdiction
These Terms are governed by the laws of England and Wales, the site's publisher being a company registered in England and Wales. Any dispute arising from these Terms or from your use of this website shall be subject to the jurisdiction of the courts of England and Wales. If you are a consumer resident in the European Union, this choice does not deprive you of any of the mandatory protections of your country of residence, and you retain the right to bring proceedings before its courts.
11. Contact information
For any questions about these Terms or general enquiries about the project, please contact:
Contact The publisher of FINPAR
Email: office[@]finpar.eu
Professional advice recommendation
Before making any investment decision, consult qualified financial, legal and tax advisers. This is particularly important given the high-risk nature of investments in technology and start-up companies.
Last updated: September 2026
Privacy Policy
FINPAR processes the personal data you send through this site in accordance with the General Data Protection Regulation (GDPR) and UK data protection legislation (UK GDPR and Data Protection Act 2018). The only personal data collected is what you type into the contact form. This policy explains what is collected, why, and how it is protected.
1. Data controller information
The controller of your personal data is:
Controller The publisher of FINPAR
Company FIRST AGENCY LTD, Company Number 05260548, VAT GB 850 234 845
Role Transitional entity, holding only the hosting and domain name contracts, pending the Luxembourg companies to be incorporated upon funding
Email: office[@]finpar.eu
Company registered office 167–169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom
2. Types of data we collect
2.1 Information you provide directly
Through the contact form:
- Your name and email address
- The project concerned (chosen from a list)
- How you heard about the project (optional field)
- The content of your message
And, if you then write to us by email, the information you choose to include in your emails.
2.2 Data collected automatically
- When you send the form: its date and time, and a pseudonymised fingerprint of your IP address (a salted, non-reversible hash), used only to limit abusive sending to 10 messages per hour
- Technical connection data (IP address, browser, page requested) that the hosting provider's server may record in its standard logs
- The single cookie described in our Cookie Policy (cookieConsent)
No account is created, no payment is taken, no newsletter is sent, and no analytics, advertising or tracking tool is used.
3. Legal basis for processing
We process your personal data on the following legal grounds under Article 6 of the GDPR:
- Steps taken at your request (Article 6(1)(b)): replying to your enquiry and sending the documents you ask for
- Legitimate interests (Article 6(1)(f)): security of the site and prevention of abusive messages
- Legal compliance (Article 6(1)(c)): where the law requires certain data to be kept
4. How we use your data
4.1 Main purposes
- Responding to your enquiries and providing information about the projects
- Sending the documents you request
- Protecting the contact form against abuse
Your data is not used for marketing, is not sold and is not passed on to anyone.
4.2 Data processing principles
- Data minimisation: we collect only the data necessary for the specified purposes
- Purpose limitation: data is used only for the stated purposes
- Storage limitation: data is kept only as long as necessary
5. Your rights under the GDPR
As a data subject under the GDPR, you have the following rights:
Your fundamental rights
- Right of access (Article 15): request information about your personal data
- Right to rectification (Article 16): correct inaccurate personal data
- Right to erasure (Article 17): request the deletion of your personal data
- Right to restriction of processing (Article 18): limit how we use your data
- Right to data portability (Article 20): receive your data in a structured format
- Right to object (Article 21): object to processing based on legitimate interests
- Right to lodge a complaint with a supervisory authority (Article 77): see the GDPR compliance page
Exercising your rights
To exercise any of these rights, please contact us at office[@]finpar.eu. We will respond to your request within one month of receipt.
6. Data security and protection
6.1 Technical and organisational measures
- HTTPS (TLS) encryption in transit for the whole site, including the contact form
- Messages forwarded by email over an encrypted connection (TLS)
- Messages kept on the hosting server outside the publicly accessible part of the site
- Access to messages limited to the publisher, who runs the site alone
- The hosting provider's standard security measures
- Handling of any breach as described in 6.2
6.2 Data breach notification
In the event of a personal data breach that poses a risk to your rights and freedoms, we will notify the supervisory authority within 72 hours of becoming aware of it (Article 33 of the GDPR) and, where the breach is likely to result in a high risk, inform you without undue delay (Article 34).
7. Data retention
We keep personal data only for as long as necessary to achieve the purposes described in this policy:
- Contact messages: as long as needed to handle your request and any follow-up exchange, and no more than 12 months after the last exchange, then deleted
- Abuse-prevention fingerprint: kept with the message it relates to
- cookieConsent cookie: 1 year on your device
- Legal compliance: where the law requires longer retention, for the period it sets
8. International data transfers
The publisher is established in the United Kingdom, which is covered by an adequacy decision of the European Commission. Your data is not passed to any other recipient. Should a transfer outside this framework ever become necessary, it would rely on the safeguards provided for in Chapter V of the GDPR, such as standard contractual clauses.
9. Third-party services
The site uses a single service provider: its hosting provider, Infomaniak Network SA, based in Switzerland, a country whose data protection the European Commission recognises as adequate. It also handles the forwarding of contact messages by email and acts on the publisher's behalf. No analytics tool, advertising network, social media plugin or other third-party service is used.
10. Children's privacy
Our website is not directed at children under 16. We do not knowingly collect personal data from children under 16. If you become aware that a child has provided us with personal data, please contact us immediately.
11. Updates to this policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will inform you of any material change by publishing the updated policy on our website and updating the 'Last updated' date.
Contact for privacy questions
For any question, concern or request relating to privacy, please contact:
Data protection contact The publisher of FINPAR
Email: office[@]finpar.eu
Response time
Within one month of receipt
Last updated: September 2026
GDPR compliance
Data protection on this site
FINPAR applies Regulation (EU) 2016/679, the General Data Protection Regulation (GDPR), and the UK GDPR to the limited personal data this site handles: the messages sent through the contact form. This page explains how the principles and rights of the GDPR apply here.
1. Implementation of the GDPR principles
The six principles of Article 5 of the GDPR apply as follows:
1.1 Lawfulness, fairness and transparency
- Each processing operation has a legal basis under Article 6 of the GDPR, set out in the Privacy Policy
- The purposes of processing are stated in the Privacy Policy and on this page
1.2 Purpose limitation
- Contact form data is used only to reply to your request and to protect the form against abuse
- It is not used for marketing, sold or passed on
1.3 Data minimisation
- The form asks only for your name, email address, the project concerned and your message; the question on how you heard about the project is optional
- No account, no analytics and no tracking
1.4 Accuracy
- You can ask at any time for your data to be corrected or deleted
1.5 Storage limitation
- Messages are kept only as long as needed to handle your request and any follow-up exchange, and no more than 12 months after the last exchange, then deleted
1.6 Integrity and confidentiality
- HTTPS (TLS) encryption in transit
- Access to messages limited to the publisher
- The hosting provider's standard security measures
2. Individual rights
You can exercise the following rights by writing to the publisher:
Your rights (Articles 15 to 22)
Right of access (Article 15)
- A copy of the personal data held about you and the information required by Article 15
- Response within one month (extendable by two further months for complex requests)
Right to rectification (Article 16)
- Correction of inaccurate data and completion of incomplete data
Right to erasure, the "right to be forgotten" (Article 17)
- Deletion of your messages and related data, unless the law requires them to be kept
Right to restriction of processing (Article 18)
- Your data kept but no longer used while a dispute, for example on its accuracy, is examined
Right to data portability (Article 20)
- Your data provided in a structured, commonly used and machine-readable format
Right to object (Article 21)
- Objection to processing based on legitimate interests
Rights related to automated decision-making (Article 22)
- No automated decision-making or profiling takes place on this site
Procedures for exercising rights
To exercise any of your GDPR rights:
- Send a request by email to office[@]finpar.eu
- Specify which right(s) you wish to exercise
- If there is reasonable doubt about your identity, additional information may be requested
- Full response provided within one month
3. Technical and organisational measures
Article 32 of the GDPR requires security measures appropriate to the risk. Given the limited data handled here, the measures are the following:
3.1 Technical measures
- HTTPS (TLS) encryption in transit for the whole site
- Messages forwarded by email over an encrypted connection (TLS)
- Messages kept on the hosting server outside the publicly accessible part of the site
- Contact form protected against automated sending (hidden field, minimum filling time, links refused, limit of 10 messages per hour based on a salted, non-reversible fingerprint of the IP address)
- The hosting provider's standard security measures
3.2 Organisational measures
- The site is run by one person, the publisher, who alone has access to the messages
- No data is passed to third parties
- Any breach is handled as described in section 6
4. Data protection impact assessments
Article 35 of the GDPR requires a data protection impact assessment only for processing likely to result in a high risk to the rights and freedoms of individuals. The processing carried out on this site, limited to contact messages, does not fall into that category. This assessment would be reviewed if the site's processing changed.
5. International data transfers
The publisher is established in the United Kingdom, which is covered by an adequacy decision of the European Commission. Data is not passed to any other recipient. Should a transfer outside this framework ever become necessary, it would rely on the safeguards provided for in Chapter V of the GDPR, such as standard contractual clauses.
6. Breach notification procedures
Personal data breaches are handled in accordance with Articles 33 and 34 of the GDPR:
6.1 Breach assessment
- Assessment of the risk that any suspected breach poses to the people concerned
- Recording of every breach, its effects and the measures taken (Article 33(5))
6.2 Notification to the supervisory authority
- Where the breach poses a risk to your rights and freedoms, notification within 72 hours of becoming aware of it (Article 33)
- Information on the nature of the breach, the categories of data and people concerned, and its likely consequences
- Contact details and measures taken or proposed
6.3 Communication to data subjects
- Where the breach is likely to result in a high risk, information without undue delay (Article 34)
- Clear and plain language describing the nature of the breach
- Recommendations for protecting against adverse effects
7. Supervisory authorities
The publisher cooperates with the competent supervisory authority on request:
7.1 Publisher's supervisory authority
- Information Commissioner's Office (ICO) as the publisher's supervisory authority
7.2 Authorities in the European Union
- If you live in the European Union, the data protection authority of your country of residence can also receive your complaint (see 9.2)
8. Review of this information
This page, the Privacy Policy and the Cookie Policy are reviewed whenever the site's processing changes or when regulation requires it. The date at the bottom of each page shows the last revision.
9. Complaint procedures
Data subjects have several ways of raising concerns about data processing:
9.1 Complaint directly to us
- Email: office[@]finpar.eu
- The site's contact form, at the bottom of the home page
- Response within one month at the latest
9.2 Complaint to the supervisory authority
As the site's publisher is a company registered in England and Wales, the competent authority is the Information Commissioner's Office (ICO):
Address Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF,
United Kingdom
Website www.ico.org.uk
Telephone +44 (0)303 123 1113
If you live in the European Union, you may also refer the matter to the data protection authority of your country of residence, which remains competent to receive your complaint.
GDPR compliance contact
For all GDPR-related enquiries, rights requests or compliance questions:
Data protection contact The publisher of FINPAR
Email: office[@]finpar.eu
Languages
English, French
Last updated: September 2026
Cookie Policy
This website uses only the essential cookies it needs to work and to remember your choices; no analytics or advertising cookies are set. You can manage your cookie preferences at any time using our cookie settings tool or by changing your browser settings.
1. What are cookies?
Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide website owners with information about user behaviour and preferences.
1.1 Types of cookies by duration
- Session cookies: temporary cookies that expire when you close your browser
- Persistent cookies: cookies that remain on your device for a predetermined period
1.2 Types of cookies by origin
- First-party cookies: set by the website you are visiting directly
- Third-party cookies: set by external services embedded in our website
2. Types of cookies we use
2.1 Essential cookies (always active)
This site sets a single cookie, which is necessary for it to work: cookieConsent, which remembers the choice you made in the cookie banner so that the banner is not shown again at each visit. It is set only when you click one of the banner or settings buttons. The site uses no other cookie and stores nothing else in your browser (no localStorage or sessionStorage).
2.2 Analytics cookies
Not used on this site: no analytics tool is loaded and no request is sent to an external domain (see section 6).
2.3 Marketing cookies
Not used on this site: no advertising partner places a cookie, no advertising is shown and no profile is built (see section 6).
3. Detailed information on cookies
Cookie register
| Cookie name | Purpose | Duration | Category |
|---|---|---|---|
| cookieConsent | Stores the choice made in the cookie banner | 1 year | Essential |
4. Legal basis for cookie processing
The cookieConsent cookie is strictly necessary to remember your choice. It is therefore exempt from consent under Article 5(3) of the ePrivacy Directive, and its processing relies on the legitimate interest in operating the website (Article 6(1)(f) GDPR). As no analytics or marketing cookie is used, no other legal basis is needed.
5. Managing your cookie preferences
5.1 Our cookie settings tool
You can review your choice at any time by:
- Clicking the button below
- Using the cookie banner when it appears on your first visit
Access to cookie settings
Click the button below to access your cookie preferences:
5.2 Browser settings
Most web browsers let you control cookies through their settings. You can:
- Block all cookies
- Block only third-party cookies
- Delete existing cookies
- Set the browser to ask for your permission for each cookie
Browser-specific instructions
- Chrome: Settings > Privacy and security > Cookies and other site data
- Firefox: Settings > Privacy & Security > Cookies and Site Data
- Safari: Preferences > Privacy > Manage Website Data
- Edge: Settings > Cookies and site permissions > Cookies and site data
6. Third-party services and cookies
No third-party service places a cookie on this site. The site loads no audience measurement tool, no advertising network and no social media button: no request is sent to an external domain, which can be verified in the page's source code.
If a third-party service were ever added, it would appear in the table above and your consent would be requested again before any cookie is placed.
7. Impact of cookie preferences
- The banner has a single button, "Got it": there is nothing to accept or decline. Only the cookieConsent cookie is set, so that the banner is not shown again
- If you block all cookies in your browser, the site still works, but the cookie banner will be shown again at each visit
8. Data retention and deletion
The cookieConsent cookie is kept on your device for 1 year, then expires. You can delete it at any time from your browser settings.
9. Updates to this Cookie Policy
We may update this Cookie Policy periodically to reflect changes in our practices, technologies, legal requirements or other factors. We will inform you of any material change:
- by updating the date of the last revision on this page;
- by displaying a notice on our site;
- by asking for your consent again for new categories of cookies.
10. Contact information
For questions about our cookie practices or this policy:
Data protection contact The publisher of FINPAR
Email: office[@]finpar.eu
Response time
Within one month of receipt
Last updated: September 2026
Legal Notice
This page contains the legal information about the FINPAR website (finpar.eu) required by UK and European Union regulations.
1. Website publisher and responsible party
Publisher
Website FINPAR (finpar.eu)
Company FIRST AGENCY LTD, Company Number 05260548, VAT GB 850 234 845
Role Transitional entity, holding only the hosting and domain name contracts, pending the Luxembourg companies to be incorporated upon funding
Company registered office 167–169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom
Legal status
Company registered in England and Wales (private limited company)
Country of establishment United Kingdom
Email: office[@]finpar.eu
1.1 Editorial responsibility
The publisher of FINPAR is responsible for the editorial content of this website, including all text, images, videos and interactive elements.
2. Website hosting and technical infrastructure
2.1 Main hosting service
This website is a static site hosted by Infomaniak Network SA, rue Eugène-Marziano 25, 1227 Les Acacias (Geneva), Switzerland, www.infomaniak.com. Infomaniak also forwards the contact form messages by email.
2.2 Technical specifications
- HTTPS (TLS) encryption in transit for all pages and for the contact form
- No analytics, advertising or third-party tracker loaded
- The hosting provider's standard security measures
3. Intellectual property rights
3.1 Copyright and ownership
All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations and software, is the property of the publisher of FINPAR or its content suppliers and is protected by international copyright laws.
Protected elements
- Original written content and documentation
- Visual design elements and website layout
- The FINPAR name and logos
- Software code and technical implementations
- Business concepts and methodologies described
- Marketing materials and promotional content
3.2 Permitted use
You may access and use this website for personal, non-commercial purposes only. You may:
- View and browse the website content
- Print individual copies of pages for personal reference
- Share links to our content via social media
- Quote brief extracts with appropriate attribution
3.3 Prohibited use
Without express written permission, you may not:
- Reproduce, distribute or display substantial portions of the website content
- Create derivative works based on our content
- Use the FINPAR name or logos
- Reverse-engineer any software or code
- Frame or mirror any part of the website
- Use automated systems to access or collect content
4. Third-party content and links
This website may contain links to third-party websites, resources or services that are not owned or controlled by the publisher of FINPAR. We are not responsible for the content, privacy policies or practices of any third-party website or service.
4.1 External links policy
- Links are provided for information purposes only
- We do not endorse linked websites or their content
- Access to external sites is at your own risk
- We cannot guarantee that external links remain accurate or available
5. Disclaimers and limitations
5.1 Accuracy of information
Although we strive to provide accurate and up-to-date information, we make no representation or warranty as to the completeness, accuracy, reliability, suitability or availability of the website or the information contained on the website for any purpose whatsoever.
5.2 Website availability
We strive to keep the website available 24/7, but we cannot guarantee uninterrupted access. The website may be temporarily unavailable due to:
- Scheduled maintenance and updates
- Technical difficulties or server problems
- Internet connectivity problems
- Force majeure events beyond our control
6. Limitations of liability
To the fullest extent permitted by applicable law, the publisher of FINPAR excludes all liability for any loss or damage arising from your use of this website, including but not limited to:
- Direct, indirect, incidental or consequential damages
- Loss of profits, data or business opportunities
- Errors or omissions in the website content
- Security breaches or unauthorised access
- Technical malfunctions or system failures
7. User conduct and responsibilities
By using this website, you agree to:
- Use the website in accordance with applicable laws and regulations
- Not engage in any activity likely to harm the website or disrupt its operation
- Respect the intellectual property rights of others
- Provide accurate information when you contact us
8. Governing law and jurisdiction
This legal notice and your use of this website are governed by and construed in accordance with the laws of England and Wales. Any dispute arising from or relating to this website or this legal notice shall be subject to the jurisdiction of the courts of England and Wales. If you are a consumer resident in the European Union, this choice does not deprive you of any of the mandatory protections of your country of residence, and you retain the right to bring proceedings before its courts.
8.1 Applicable regulations
The following regulations apply to this website:
- UK Data Protection Act 2018 and UK GDPR
- General Data Protection Regulation (GDPR), Regulation (EU) 2016/679
- ePrivacy Directive, Directive 2002/58/EC
- Electronic Commerce (EC Directive) Regulations 2002
9. Contact information for legal matters
For all legal enquiries, copyright questions or formal notices concerning this website:
Legal contact The publisher of FINPAR
Capacity Site publisher
Email: office[@]finpar.eu
Language of correspondence
French, English
Response time
Within 5 working days for legal matters
10. Updates and changes
We reserve the right to update this legal notice at any time without prior notice. Material changes will be communicated through notifications on the website. Your continued use of the website following any change constitutes acceptance of the updated legal notice.
Document version control
- Current version: 1.1
- Effective date: December 2025
- Last revised: September 2026
Last updated: September 2026