The scope of our engagements, the timescales, the prices, and what is not included.
These terms govern the financial engineering consultancy services provided by NOVARIS BUSINESS SOLUTIONS LTD, a private company limited by shares registered in England and Wales (Companies House no. 17424127), trading as Novaris Conseil (the “Provider”), to its business clients (the “Client”).
For each engagement they are supplemented by an engagement letter setting out its scope, timescale and price. In the event of conflict, the engagement letter prevails.
The Provider offers four levels of service, described in detail on the Our packages page:
The content of each package is the one shown in the comparison table in force on the date the engagement letter is signed.
The Fundability Score is a self-assessment based solely on the Client’s own declared answers, without verification or supporting documents. It is provided free of charge.
It constitutes neither a rating within the meaning of any regulation, nor a creditworthiness analysis, nor a promise or guarantee that funding will be obtained. It carries no investment advice.
Every paid engagement is preceded by a scoping discussion, then by an engagement letter signed by both parties. No service is invoiced before that signature.
Prices are stated in euros excluding tax. Value added tax is added at the rate in force.
Payment is due in full on receipt of invoice, by bank transfer. No discount is granted for early payment.
In accordance with articles L. 441-10 and D. 441-5 of the French Commercial Code, any late payment automatically gives rise to penalties calculated at the increased statutory interest rate, together with a fixed recovery indemnity of €40.
The stated times — 48 hours for the Essentielle package, 10 working days for the Standard package, 21 working days at most for the Premium package — run from receipt of all the information needed to carry out the engagement, and not from the signature of the engagement letter.
Any delay in providing that information extends the deadline by the same amount.
The Client undertakes to provide information that is accurate, complete and truthful, and to report without delay anything new that might affect the engagement.
As the deliverables are built from that information, the Provider cannot be held liable for the consequences of information that is wrong, incomplete or late.
Each package includes a set number of revisions: one for the Essentielle package, three for the Standard package, five for the Premium package. A revision means a reworking of the deliverables following feedback from the Client or from a funder.
Any request beyond that number, or altering the original scope, is the subject of a further quotation.
The Provider is bound by a best-efforts obligation (obligation de moyens in French law). It undertakes to produce a complete, coherent and documented file, in line with the agreed scope.
The decision to grant funding rests exclusively with the funding institution, which applies its own risk policy. The Provider gives no guarantee whatsoever that funding will be obtained, nor as to its amount or its terms. A refusal of funding gives rise to no refund, the services having been performed.
The following are expressly excluded from the Provider’s engagements:
When entrusted to a third party, these services fall within the exclusive remit of an expert-comptable registered with the Ordre — the French regulated accountancy profession (Order no. 45-2138 of 19 September 1945). The Provider does not carry them out. Where applicable, they are performed by a partner professional under their own responsibility, under a separate engagement letter entered into directly with the Client.
The Provider does not carry out this activity and is not registered with ORIAS. Where the Client wishes to use a broker, that broker is an intermediary registered with ORIAS, appointed directly by the Client. The Provider receives no commission and no rebate in that respect.
The Provider does not give legal advice as a principal activity and provides no representation before any court. Out-of-court and insolvency proceedings are conducted with the assistance of a legal professional, appointed directly by the Client.
The deliverables become the property of the Client once the price has been paid in full. The Client may use them freely for the purposes of the funding search to which they relate.
The Provider retains ownership of its methods, models, templates and tools, in particular the Fundability Score calculation model, none of which is assigned.
Each party undertakes not to disclose confidential information received from the other. This undertaking survives the end of the engagement for a period of five years.
The Provider may cite the Client’s name as a commercial reference, unless the Client objects in writing. No figures, structure or document from the file may be disclosed.
The processing of personal data is described in the privacy policy, which forms an integral part of these terms.
As the services are supplied to businesses for the purposes of their activity, the right of withdrawal under the French Consumer Code is not intended to apply.
By way of exception, under article L. 221-3 of the French Consumer Code, a business employing no more than five staff and entering into an off-premises contract whose purpose falls outside the field of its main activity has a fourteen-day withdrawal period. In that case, the Client expressly waives that period if it asks for the service to be performed immediately.
The Provider’s liability, on all grounds combined, is limited to the amount excluding tax actually paid for the engagement concerned.
The Provider is not liable for indirect loss, in particular loss of opportunity, loss of business, commercial damage or loss of funding.
Business consultancy and other management advice is subject to no statutory professional indemnity insurance requirement, unlike the regulated professions.
Either party may terminate the engagement in the event of a serious breach by the other, not remedied within fifteen days of a formal notice. Services performed as at the date of termination remain payable.
Any complaint should be sent to contact@novarisconseil.fr.
Where the Client falls within the scope of article L. 221-3 of the French Consumer Code, it may use free of charge the consumer ombudsman to which the Provider has subscribed: CM2C — Centre de la médiation de la consommation de conciliateurs de justice, 14 rue Saint-Jean, 75017 Paris — cm2c.net.
Referral to the ombudsman requires the Client to have first sent a written complaint to the Provider.
These terms are governed by the law of England and Wales. Failing an amicable settlement, any dispute falls within the exclusive jurisdiction of the courts of England and Wales.
Last updated: 28 August 2026 · NOVARIS BUSINESS SOLUTIONS LTD — Novaris Conseil
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