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Legal notices

1. Sustainability Information

(Regulation (EU) 2019/2088 – SFDR)

Pandat Finance, acting as a Financial Investment Advisor, hereby states that it integrates sustainability risks, as defined in Article 2 of Regulation (EU) 2019/2088, into its advisory process to the extent that relevant information is provided by the financial product manufacturers.

In accordance with Article 4 of the SFDR, Pandat Finance does not currently consider the principal adverse impacts of investment decisions on sustainability factors. This position is justified by the nature of its non-discretionary advisory activity, its size, and the lack of access to comprehensive, standardized, and verifiable ESG data.

Any client preferences regarding sustainability are collected as part of the "Know Your Customer" (KYC) obligations required by applicable regulations. When such preferences are expressed, Pandat Finance endeavors to propose compatible products based exclusively on the information provided by manufacturers, without guaranteeing exhaustive market coverage.

In accordance with Article 5 of the SFDR, Pandat Finance's remuneration policy is consistent with the integration of sustainability risks and does not create incentives to promote products with specific environmental or social characteristics.

Last updated: 12/17/2025

2. Regulatory Disclaimer

The information on this website is provided for general and informational purposes only. It does not constitute a personalized recommendation, an offer, or a solicitation to subscribe to any financial, banking, or insurance product.

Any investment or subscription decision must be preceded by an analysis tailored to your personal situation, objectives, and needs.

Past performance is not a guarantee of future results.

3. Conflict of Interest Management Policy

Pandat Finance has implemented a written conflict of interest management policy to identify, prevent, and, where necessary, manage situations that could harm the interests of its clients.

This policy is available upon request. If, despite the measures in place, a conflict of interest cannot be avoided, Pandat Finance commits to clearly informing the client before any transaction.

4. Complaints and Mediation

For any complaint, the client may contact their usual advisor at Pandat Finance by telephone or email, or by mail at 14 rue Auber, 75009 Paris. Your advisor commits to:

  • Acknowledge receipt of your request within a maximum of ten (10) business days from the date of sending.

  • Process your request within a maximum of two (2) months after the date the complaint was sent (unless specifically justified circumstances arise).

In the event of an unresolved dispute, you may contact the relevant ombudsman free of charge, depending on the activity concerned:

  • For Financial Investment Advisory (CIF) activities: AMF Ombudsman, Ms. Marielle Cohen-Branche - 17 Place de la Bourse, 75082 Paris Cedex 02 or amf-france.org.

  • For Insurance activities: La Médiation de l’Assurance – TSA 50110 – 75441 PARIS CEDEX 09 or mediation-assurance.org.

  • For Banking and Payment Services (COBSP) activities: Consumer Mediation - ANM Conso – 2 rue de Colmar, 94300 Vincennes or anm-conso.com.

5. Territorial Clause

The information presented on this site is intended primarily for French tax residents. For certain specific products, it may also be accessible to tax residents of an EU Member State or Switzerland.

Under no circumstances does this information constitute an offer or solicitation in other jurisdictions where the dissemination, consultation, or access to such information is restricted by law or subject to prior authorization.



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