terms of using pilar.

Pilar is a financial wellbeing platform providing:

• —Financial education content (video and podcast-based courses)
• —Personal financial data aggregation and visualisation
• —Wellbeing scoring and personalised insights

Pilar is not an investment advisor and does not provide personal recommendations. See our Privacy Policy and Trust page for full details on regulatory posture.

Pilar allows you to connect bank accounts through Powens SAS, an independent third-party payment institution regulated by the ACPR (France). When you use this feature:

• —You will be redirected to the Powens Webview and enter into a direct contractual relationship with Powens by accepting their Terms of Use
• —Powens acts as the Data Controller of the banking data collected on your behalf, as described in our Privacy Policy
• —Pilar is not responsible for interruptions, changes, or discontinuation of the Powens service or of specific bank connectors, though we will notify you of material changes affecting your use of Pilar
• —You retain the right at any time to disconnect any bank account and to withdraw your consent to open banking data collection, without affecting other Pilar functionality (such as manual entry or CSV upload)

Pilar does not receive, store, or transmit your bank login credentials at any point. Credentials are exchanged solely between you and your bank through Powens' regulated PSD2 interface.

Access via employer

Access to Pilar is provided by your employer as a workplace benefit. Eligibility depends on your employment relationship. If your employment ends or your employer terminates their Pilar contract, your access may be paused or terminated (see Section 11 for data handling in these cases).

Age requirement

You must be at least 18 years old to use Pilar.

Accurate information

You agree to provide accurate registration information and to keep it up to date. You are responsible for maintaining the confidentiality of your account credentials.

You agree not to:

• —Use the service for any unlawful purpose
• —Attempt to gain unauthorised access to Pilar systems or other users' data
• —Interfere with the service or attempt to disrupt other users
• —Copy, modify, or distribute Pilar content without authorisation
• —Use Pilar to provide investment advice to others

Violation of these terms may result in account suspension or termination.

Employer-paid access

For employees accessing Pilar through their employer, the service is provided at no personal cost. Your employer pays Pilar directly under a separate contract.

Future personal subscriptions

If Pilar introduces individual paid subscriptions in future, applicable pricing and terms will be communicated to you before charges begin. No charges will be made without your explicit consent.

All Pilar content — including courses, software, graphics, and text — is the property of Pilar or its licensors. Users are granted a limited, non-transferable license to use the service for personal purposes only.

You retain ownership of any personal financial data you add. By using the service, you grant Pilar a limited license to process this data for the purpose of providing the service to you.

Pilar provides educational content and personal financial visualisation tools. Pilar does NOT provide:

• —Investment advice or personal recommendations
• —Portfolio management services
• —Tax, legal, or accounting advice
• —Guarantees of investment returns or financial outcomes

You are solely responsible for your financial decisions. Consult qualified professionals before making significant financial decisions.

The service is provided "as is" without warranties of any kind. Pilar does not guarantee uninterrupted or error-free operation.

To the maximum extent permitted by law, Pilar's total liability to you for any claim arising from or related to the service is limited to the greater of €100 or the fees paid by you to Pilar in the 12 months preceding the claim.

Pilar is not liable for indirect, incidental, or consequential damages, including lost profits, data loss (beyond our security obligations), or investment losses.

Pilar is not liable for damages resulting from the unavailability, malfunction, or removal of third-party bank connectors provided through Powens. Where a bank connection is unavailable, you may continue using Pilar with manual entry or CSV upload for the affected account.

These limitations do not apply to liability that cannot be excluded under applicable law, including gross negligence or wilful misconduct.

By you

You may close your account at any time through your account settings or by writing to [email protected].

By us

We may suspend or terminate your account for violation of these Terms, non-payment (for direct subscriptions), or if required by law. We will notify you before termination where practicable.

Effect of termination

On termination, your access to the service ends. Data handling after termination is described in our Privacy Policy.

Our handling of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. Full technical details are on our Trust page.

We may update these Terms from time to time. Material changes will be notified to you by email at least 30 days before they take effect. Continued use of the service after the effective date constitutes acceptance of the updated Terms.

These Terms are governed by Spanish law. Any dispute will be resolved before the courts of Barcelona, Spain, without prejudice to applicable consumer protection provisions in your jurisdiction.

For EU consumers, you may also submit disputes to the European Commission's Online Dispute Resolution platform: ec.europa.eu/consumers/odr.

Questions about these Terms: [email protected]

General account questions: [email protected]