Version 2.0 of July 27, 2026, replaces the versions of May 15, 2026 (FR) and July 13, 2026 (EN). English translation provided for convenience; only the French version is authoritative.

Preamble

These Terms of Sale govern the contractual relationship between LBDC Organisation, a French simplified joint-stock company registered with the Annecy Trade and Companies Register under number 839 338 514, with its registered office at 5 rue de l'Industrie, 74000 Annecy ("Smatchy"), and any User or Organizer (the "Client") using the paid services of the Smatchy platform (the "Platform"). Smatchy acts as a technical intermediary for matchmaking and for collecting funds on behalf of third parties through its payment service provider; it is neither a provider of sports services, nor an employer, nor a supplier of the Activities.

Article 1. Definitions

"Platform": the Smatchy mobile application, available on the Apple App Store and Google Play Store, and any update or subsequent version.
"Client": any natural person of legal age (18 or older) or legal entity using the paid services of the Platform, whether as a User (taking part in an Activity) or an Organizer (offering a paid Activity).
"Organizer": Certified coach (natural person holding a recognized diploma or professional card and valid professional liability insurance); Club/Association (registered legal entity, Kbis or RNA, with valid professional liability insurance); Professional athlete (natural person holding a professional federal licence, offering exclusively "fan experiences" without coaching); Company (registered legal entity with valid professional liability insurance).
"Activity": any sports service, paid or free, organized through the Platform.
"Wallet": the virtual account built into the Platform through which Organizers receive Client payments.
"PSP": the payment service provider (Stripe), responsible for processing financial transactions.

Article 2. Purpose, scope and acceptance

2.1. Smatchy's role. Smatchy's role is limited to connecting Clients and Organizers and to collecting and paying out funds through the PSP. Each Organizer remains solely responsible for the quality, safety and legality of the Activities they offer, as set out in Article 3.

2.2. Acceptance and modification. Access to paid services is subject to express acceptance of these Terms. Any substantial change to these Terms is brought to Clients' attention and submitted for their express acceptance through a validation pop-up displayed in the Application when the Terms are updated. For professional Organizers, any change affecting their business conditions is additionally notified at least 15 days before it takes effect. A Client who declines the new Terms may stop using the paid services; pending transactions remain governed by the version accepted at the time of the order.

Article 3. Organizer obligations

3.1. Documents and legal compliance. Any Organizer wishing to offer paid Activities must provide, failing which their account may be suspended: for certified coaches, a copy of a valid diploma or professional card, a valid professional liability insurance certificate renewed annually, and proof of legal status (SIRET or equivalent); for clubs and associations, a Kbis extract or RNA receipt and a valid professional liability insurance certificate; for professional athletes, a copy of a valid professional federal licence and a SIRET number for invoicing, athletes may only offer "fan experiences" (meetings, exchanges), to the exclusion of any coaching, of which participants are informed; for companies, a Kbis extract and a valid professional liability insurance certificate.

3.2. Annual renewal. Organizers undertake to renew the above documents annually. Failing this, Smatchy will block payments to their Wallet 10 days after the documents expire. Automatic reminder notifications are sent.

3.3. Organizer liability. Organizers are solely responsible for the legal compliance of their business, the safety and quality of the Activities offered, any damage caused to participants during Activities, and the correct configuration of their Stripe account.

Article 4. Payments, Wallet and fees

4.1. Payment methods. Bank cards (Visa, Mastercard, etc.), Apple Pay, Google Pay, PayPal.

4.2. Prices, commission and fees. Activity prices are displayed in euros, inclusive of all taxes. Smatchy charges a commission of 10% of the total amount of each transaction, plus the PSP's processing fees (1.4% + €0.25 per transaction). Smatchy reports Organizers' income to the tax administration in accordance with the regulations applicable to platform operators and sends them the annual statement required by those regulations.

4.3. Wallet and withdrawals. Funds are credited to the Organizer's Wallet 10 days after the Activity takes place. The minimum withdrawal threshold is €100. Withdrawals are made exclusively through the Organizer's Stripe account.

4.4. Stripe account. Organizers are solely responsible for the configuration and validity of their Stripe account. Smatchy shall not be liable for configuration errors, transfer delays or technical incidents attributable to the PSP.

Article 5. Cancellations and refunds

5.1. Cancellation by the participating Client. More than 48 hours before the Activity: 100% refund. Between 48 and 24 hours before: 70% refund. Less than 24 hours before, or no-show: no refund.

5.2. Cancellation by the Organizer. Full refund of Clients, whatever the notice. A penalty of 20% of the total amount of the Activity applies to the Organizer if cancellation occurs less than 48 hours before its start.

5.3. Off-Platform payments. Paying outside the Platform for an Activity initiated through it is prohibited. In the event of proven circumvention, Smatchy may: (i) suspend and then terminate the Organizer's account; (ii) invoice the evaded commissions on the transactions concerned, increased by a fixed penalty of 20% of those commissions; (iii) set these amounts off against the Wallet balance, the remaining balance being paid out to the Organizer within 60 days.

Article 6. Right of withdrawal

In accordance with Article L221-28, 12° of the French Consumer Code, the right of withdrawal does not apply to leisure activity services to be provided on a specific date or period, which is the case for Activities booked through the Platform. The Client instead benefits from the cancellation conditions of Article 5, which allow a refund depending on the cancellation notice. For any other distance service not covered by this exception, the Client has 14 days to withdraw under Articles L221-18 et seq. of the French Consumer Code.

Article 7. Promotional codes

Promotional codes are managed by Organizers under their responsibility. Smatchy may, subject to a specific agreement, issue promotional codes in collaboration with certain Organizers; the conditions of use of such codes (duration, amount, eligibility) are defined in that agreement.

Article 8. Invoicing

Organizers may ask Smatchy to issue invoices for payments received through the Platform. These invoices are drawn up in accordance with the information provided by the Organizer and applicable tax regulations. Each Organizer remains solely responsible for their tax and social obligations.

Article 9. Suspension and termination

Smatchy may suspend an Organizer account in the event of a breach of these Terms (fraud or attempted circumvention of commissions, inappropriate or illegal behaviour, non-compliance with legal obligations such as expired professional liability insurance), communicating the reasons for the decision. Termination of a professional Organizer's account is notified with 30 days' notice and a statement of reasons, except in the event of a serious or repeated breach, a legal obligation or a risk to User safety, in which case it may be immediate. The Organizer may contest the decision at support@smatchy.app.

Article 10. Mediation

In accordance with Articles L612-1 et seq. of the French Consumer Code, consumer Clients may have free recourse to a mediator for the amicable resolution of any dispute with Smatchy, after first writing to support@smatchy.app. Designated mediator: the mediator attached to the Annecy commercial court, 19 avenue du Parmelan, 74007 Annecy, France.

Article 11. Complaints, governing law and disputes

Complaints may be sent to support@smatchy.app; Smatchy endeavours to respond within 30 days, without this step depriving the Client of any right to take action. These Terms are governed by French law. For consumer Clients, disputes fall within the jurisdiction of the competent courts under ordinary law; consumers may also bring proceedings before the court of the place where they resided when the contract was concluded. For professional Organizers, any dispute falls within the exclusive jurisdiction of the Annecy economic activities court.

Article 12. Miscellaneous

Smatchy's failure to rely on a right under these Terms does not constitute a waiver of that right. If any clause is declared void or unenforceable, the remaining clauses retain their full force and effect. These Terms constitute the entire agreement between the parties and supersede any prior agreement on their subject matter. Only the French version is authoritative; the English version is provided for convenience.

Smatchy, 5 rue de l'Industrie, 74000 Annecy, France, support@smatchy.app

Version 2.0 of July 27, 2026.

GENERAL CONDITIONS OF SALE (GCS)