Terms of Sale

⚖️ To be finalized before sales go live. The text below has been reviewed and complies with current French consumer law. Two items remain for the publisher to settle before publication: (1) subscribe to a consumer mediator and name them (article 23); (2) implement in the checkout flow the "order with obligation to pay" button, the two consent checkboxes and the confirmation email (articles 5 and 8). The VAT regime is settled (base exemption, article 293 B of the French General Tax Code). A review by a lawyer is still recommended.

Last updated: [date to be entered at launch]. In plain terms, no jargon: we explain what you're buying, how, at what price, how to get a refund, what you're allowed to do with the content, and how we protect your data. The articles below give the legal detail.

1. Who is selling to you (seller identification)

The lejodelia.fr site ("Le Jo de l'IA" or "Jo") and the products described below are published and sold by:

Gil Jacob Benittah, sole trader — SIREN 539 147 298.
Contact: contact@lejodelia.fr.
Full postal details: see the Legal notice.

VAT not applicable, article 293 B of the French General Tax Code (VAT exemption scheme).

2. A few key words (definitions)

• Customer / you: anyone who creates an account, downloads the free product, or buys a product or subscription.
• Consumer: a customer acting for purposes outside their professional activity. Consumers benefit from enhanced protections (withdrawal, legal guarantees, mediation).
• Professional: a customer buying for the needs of their business (see article 4).
• Products: the digital content and services described in article 4. Content: videos, PDFs, guides, prompts, exercises, templates, articles. Club: the monthly "Jo Club" subscription.

3. Purpose and acceptance

These Terms of Sale ("Terms") govern the sale of Jo's Products to the site's customers, to the exclusion of any other terms.

By confirming an order or activating a free product, you acknowledge that you have read and accept the Terms. A dedicated checkbox at the time of purchase records this acceptance.

4. What you're buying (products and services)

Jo offers educational digital content to learn how to use artificial intelligence in plain language:

• Jo Discovery — free, in exchange for an email address: a video explanation + guided missions.
• The 10 Express Missions — paid digital product: 10 concrete, ready-to-use missions.
• The Complete Jo Kit — paid digital product: all the missions, methods and resources, with updates included for as long as the product is on sale.
• Jo Club — monthly subscription, no commitment: new content every month, plain-language monitoring of what's changing, and a member area, for as long as the subscription is active.

The Content is educational and informational in nature. It describes third-party tools (e.g. ChatGPT, Gemini, Claude) that Jo neither publishes nor controls. The essential features of each Product are presented on its sales page before purchase. Access requires an internet connection and a compatible device.

Customer status: in the case of a purchase for professional purposes, the Customer declares that they are acting within their business activity. The right of withdrawal in article 8 then does not apply (except in the case of article L221-3 of the French Consumer Code); the commercial guarantee in article 9 remains offered to all.

5. Ordering, paying, proof

Steps: you choose a Product; before final confirmation, a detailed summary presents the essential features, the total price including tax and, for the Club, the frequency, renewal and cancellation terms. The confirmation button bears the wording "order with obligation to pay" (article L221-14 of the French Consumer Code). The order is definitively confirmed once payment is confirmed.

Payment: payment is made online via our secure provider Stripe. Jo stores no banking data.

Proof: a confirmation email summarizes your order. Stripe's and Jo's records serve as proof of the transaction, its date and its content, unless proven otherwise; this clause does not prevent you from providing proof by any means and does not reverse the burden of proof, which lies with the professional.

Refusal / cancellation by Jo: Jo may refuse or cancel an order in the event of proven fraud or a reasonably established attempt at fraud, a payment dispute, or a clear breach of these Terms. Any refusal rests on objective evidence, the reason for which is communicated to you by email, and any amount already paid is fully refunded to you within 14 days.

6. Price and VAT

Prices are shown in euros, all taxes included. The price displayed is the price paid: no hidden costs (article 1 of the Jo Contract), no fake crossed-out prices, no false urgency. The applicable price is the one in force at the time of the order; for one-off purchases (Express Missions, Kit), it does not change after purchase.

VAT: the publisher benefits from the VAT base exemption; prices therefore include no VAT — with the wording "VAT not applicable, article 293 B of the French General Tax Code", also shown on invoices.

Jo Club price changes: Jo may change the subscription price for the future. Any price change will be notified to you by email at least 30 days in advance; you may cancel free of charge before it takes effect. Any founder rate granted remains honored under the conditions announced at sign-up.

7. Access to the product (digital delivery)

As the Products are digital, there is no physical delivery. Access is provided online (link and/or member area), in principle immediately after payment confirmation. Failing immediate provision, Jo undertakes to provide access without undue delay and no later than 30 days after the contract is concluded (article L216-1 of the French Consumer Code); failing that, you may terminate the contract and be refunded.

Technical incident: if you have an access problem, write to contact@lejodelia.fr. Jo will restore access as quickly as possible; failing a solution, the Product concerned is refunded.

8. Right of withdrawal

The consumer generally has 14 days to withdraw from a distance purchase, without having to give a reason (article L221-18 of the French Consumer Code). To exercise this right, a simple email to contact@lejodelia.fr is enough; the standard form appears as an annex hereto and is attached to the confirmation email.

Digital content with immediate access (Missions, Kit): at the time of purchase, two separate, non-pre-ticked boxes collect: (a) your express request for immediate performance before the end of the 14-day period; (b) your express acknowledgment of losing your right of withdrawal once access has begun (article L221-28, 13°). Jo confirms this agreement and waiver to you by email, on a durable medium. Failing to collect this dual consent and its confirmation, the 14-day right of withdrawal fully applies and access is deferred until the end of that period.

Jo Club subscription (service): you also have 14 days to withdraw from the sign-up date. If you expressly requested that the service start immediately, then in the event of withdrawal Jo retains only an amount proportionate to the service already provided (article L221-25). This right of withdrawal is separate from your ability to cancel the subscription at any time (article 11): cancellation does not replace withdrawal.

On top of that: even where the legal right of withdrawal is excluded, Jo voluntarily offers you its "satisfied or refunded" commercial guarantee (article 9), which is more favorable.

9. The Jo "refunded with one email" guarantee

Beyond your legal rights, Jo commits: 14 days to try it out. If a paid Product isn't right for you, a simple email to contact@lejodelia.fr within 14 days of purchase is enough to be refunded, no questions asked (article 3 of the Jo Contract). The refund is made to the payment method used, no later than 14 days after acceptance.

Abuse and fraud reservation: this guarantee, granted in good faith, may only be refused in the event of manifest abuse or fraud, established on objective evidence: repeated and systematic refund requests after fully downloading the content, multiple accounts, reselling or sharing access, fraudulent or disputed payment (chargeback). A single refund applies to Products whose content overlaps (the Missions being included in the Kit). Simply having viewed the Product to evaluate it never constitutes abuse. In the event of refusal, Jo communicates the reason. This commercial guarantee is in addition to, and never a substitute for, the right of withdrawal (article 8) and the legal guarantees (article 10).

10. Your legal guarantees

Independently of the commercial guarantee, you benefit from the legal guarantees, which nothing herein can exclude:

To invoke them: contact@lejodelia.fr. These guarantees are independent of the commercial guarantee in article 9.

11. Jo Club subscription

• Renewal: open-ended subscription, renewed monthly by direct debit via Stripe, until cancellation. You are informed of each renewal and the amount charged (articles L215-1 et seq.).
• Online cancellation (article L215-1-1): Jo provides you, at all times and free of charge, with a cancellation feature directly accessible from your member area ("Cancel my subscription"). You reach a summary, you confirm, and Jo confirms the cancellation and its effective date on a durable medium. Cancellation is possible at any time, free of charge and without justification.
• Effect and stopping of charges: cancellation takes effect at the end of the period already paid for; you keep access until that date. No amount is charged afterwards (article 4 of the Jo Contract). In accordance with article L215-3, if you were not informed of the option not to renew, any amounts wrongly charged after renewal are refunded to you.
• Charged by mistake: if Jo charges you by mistake after your cancellation, the month concerned is refunded and offered free (article 4 of the Jo Contract).
• Consequences: at the end of the period, access to Club-reserved content ceases. Products bought individually (Missions, Kit) remain accessible under their own conditions.

12. Payment default and banking incidents

In the event of a failed charge (expired card, insufficient funds), Jo may re-present the payment and, failing settlement within 7 days of notification, suspend access to reserved content until payment is made, without this suspension giving rise to any compensation.

Any payment dispute (chargeback) relating to Content already viewed, where the service was duly provided, may be contested by Jo with the bank, with proof of supply, and may lead to the account being closed. The Customer remains liable for the amounts due for the period during which they retained access.

13. Intellectual property

All Content (videos, PDFs, prompts, guides, exercises, templates, articles, Club content), the "Jo" / "Le Jo de l'IA" brand, the visual identity and the site are protected by intellectual property law and remain the exclusive property of the publisher or its partners. Purchase transfers no ownership right in the Content to you: it grants you a right of use (license) under the conditions of article 14.

14. What you may — and may not — do

License granted (authorized use): a personal, non-exclusive, non-transferable license, for your personal use — including for your own professional activity or your studies. You may freely reuse the prompts and methods in your own work and create your own content from what you learn.

Not authorized (without Jo's written consent): sharing, lending or reselling your account or access; publicly broadcasting, uploading or redistributing the Content; reproducing, copying or reselling it, or creating a competing product from it; carrying out mass or automated extraction (scraping).

Protection measures: access is strictly individual. Simultaneous use from an abnormal number of devices or locations may lead to temporary suspension of access pending a check. Downloadable documents may carry a personalized marking (watermark) allowing the source of an unauthorized distribution to be identified. In the event of established reselling or sharing, Jo may terminate access without refund and claim compensation for the harm suffered.

15. Prohibited behavior and member area

The following are notably prohibited: fraud (payment, identity), harassment or unlawful remarks, technical circumvention of protections, hacking and identity theft. Such behavior may lead to the account being closed and, where applicable, legal proceedings.

Member contributions: if the member area allows posts, Jo acts as host of this content; it may moderate or remove any unlawful content or content contrary to the Terms, and is not liable for remarks made by members. The member grants Jo a non-exclusive license to use their contributions within the service.

16. Account suspension or closure

Grounds: serious or repeated breach of the Terms (notably articles 14 and 15), fraud or payment default.

Procedure: except in an emergency or established fraud, Jo informs you beforehand by reasoned written notice and invites you to remedy the situation within a reasonable time. Any measure is proportionate to the breach; in the event of permanent closure, you have a period to retrieve the Content you legitimately acquired.

Refund: in the event of a closure justified by a serious breach by the Customer (articles 14 and 15) or by fraud, no refund is due. A pro-rata refund is only due if the closure is attributable to Jo, without any breach by the Customer.

17. Liability

Jo's Content is educational. It constitutes neither personalized professional advice (legal, medical, financial, tax) nor a guarantee of results.

• Jo guarantees no income, no earnings and no particular result.
• You remain responsible for your decisions and for the use you make of the AI tools and the Content.
• Third-party AI tools: Jo teaches the use of tools published by third parties. Jo neither controls nor guarantees the accuracy, reliability or lawfulness of the results produced by these tools (which may contain errors or "hallucinations"). You are solely responsible for checking and using the content you generate, and for complying with the terms of use of third-party tools. Jo cannot be held liable for a decision made solely on the basis of a result generated by an AI.

Towards the consumer Customer, Jo compensates the full direct and foreseeable harm resulting from a breach of its obligations (article 1231-3 of the French Civil Code): no clause herein has the effect of removing or reducing this right to compensation. Indirect damages are excluded (loss of income, of clientele, of data produced via a third-party AI tool, loss of business). Any liability cap that may be mentioned applies only to professional Customers. The legal guarantees (article 10) remain fully applicable in any event.

18. Specifics relating to artificial intelligence

AI evolves fast: the third-party tools presented may change features, name, price or provider, or even disappear; some examples may become outdated. Jo updates its Content reasonably but does not guarantee that a third-party tool will remain available, free or unchanged.

The Club's value lies in the method and monitoring, independently of any particular tool. The disappearance, modification or shift to paid of a third-party tool does not constitute a non-conformity of the Jo service and does not give rise to a refund; Jo undertakes to offer an alternative or equivalent content within a reasonable time.

19. Service availability

Jo makes every effort to ensure access to the service. Interruptions may occur (maintenance, updates, incidents), and the service depends on third-party providers (hosting, payment, emailing: Netlify, Stripe, Brevo). Jo remains responsible for the proper performance of the contract towards you, including when it relies on these providers (article L221-15 of the French Consumer Code), except in the case of an external cause, an unforeseeable and insurmountable act of a third party, or force majeure. In the event of prolonged unavailability of paid content, Jo offers restoration, extension or refund.

20. Force majeure

Jo's liability cannot be engaged in the event of non-performance due to an event of force majeure within the meaning of article 1218 of the French Civil Code: notably war, cyberattack, general failure of the internet or of an essential provider, natural disaster, or any other event beyond its reasonable control.

21. Personal data (GDPR)

The data collected (email, status, order information) is used solely to provide the service and the customer relationship; it is neither sold nor rented (article 8 of the Jo Contract). The processors (Brevo for emailing, Stripe for payment, Netlify for hosting) act only for the service; as some may process data outside the European Union, these transfers are governed by safeguards (see the privacy policy). The detail (purposes, legal basis, retention periods, transfers, rights) is set out in our privacy policy. One-click unsubscribe in every email.

22. Complaints

For any complaint, write to contact@lejodelia.fr describing your request. Jo acknowledges receipt and strives to respond within a reasonable time, in principle within 14 days.

23. Consumer mediation

In accordance with articles L612-1 et seq. of the French Consumer Code, after a written complaint that has gone unanswered or been unsatisfactorily resolved, the consumer may refer the matter free of charge to a consumer mediator:

[Name of the approved consumer mediator to which the publisher subscribes — postal address — website. Action required before launch: subscribe to a mediator (e.g. CM2C, Medicys, AME Conso) and enter their details. Mandatory and sanctioned notice.]

24. Governing law and disputes

These Terms are governed by French law. In the event of a dispute, the parties favor an amicable solution (article 22) then mediation (article 23). Failing agreement, the dispute is brought before the competent courts; the consumer may notably, at their choice, bring the matter before the court of the place where they were resident when the contract was concluded or where the harmful event occurred. No clause herein deprives them of this right.

25. General provisions

• Partial invalidity: if a clause were held to be void or unwritten, the others would remain fully applicable.
• Amendment of the Terms: any amendment applicable to an ongoing subscription is notified by email at least 30 days before it takes effect, with the reason indicated. You may cancel free of charge before that date; failing that, the new version applies to subsequent periods. The essential features of the service cannot be substantially reduced without your agreement, except for a compelling technical or legal reason.
• Continuity: Jo may assign or transfer this contract to any successor taking over its business, under conditions that preserve your rights, of which you will be informed. Jo may change the make-up of its catalog; the withdrawal of a Content item from the Club does not give rise to a refund as long as an equivalent overall offer remains provided. Products bought individually remain accessible (article 11).
• Applicable version: the version applicable to your order is the one in force on its date (see top). Each version is dated, archived and available on request.

Annex — Standard withdrawal form

(To be completed and returned only if you wish to withdraw, where this right applies — article 8.)