Regulatory Disclosures

1. Sustainability-related information

(EU Regulation 2019/2088 – SFDR)
Flumina, acting as a Financial Investment Advisor, integrates sustainability risks—defined in Article 2 of the SFDR Regulation—into its advisory process as far as relevant information is made available by financial product manufacturers.
According to Article 4 of the SFDR, Flumina does not currently consider the principal adverse impacts of investment decisions on sustainability factors. This position is due to the non-discretionary nature of our advisory activity, our company size, and the lack of sufficiently complete and verifiable ESG data.
Client sustainability preferences are collected as part of regulatory client?knowledge requirements. When such preferences are expressed, Flumina strives to propose compatible solutions based solely on information provided by product manufacturers, without guaranteeing full market coverage.
According to Article 5 of the SFDR, Flumina’s remuneration policy is compatible with the integration of sustainability risks and does not create incentives to promote specific environmental or social products.

________________________________________
2. Regulatory Disclaimer

The information on this site is strictly informational and general. It does not constitute personalized advice, an offer, or an inducement to subscribe to a financial, banking, or insurance product.
Any investment decision must be based on an analysis tailored to your personal situation, objectives, and needs.
Past performance does not predict future results.

________________________________________
3. Conflict of Interest Policy

Flumina has established a written policy to identify, prevent, and if necessary, manage situations likely to create a conflict of interest with client interests.
This policy is available upon request.
If a conflict cannot be avoided, Flumina will clearly inform the client before any intervention.

________________________________________
4. Complaints and Mediation

For any complaint, you may contact your Flumina advisor by phone, email, or send a letter to: Flumina, 58 rue de Monceau, 75008 Paris.
Your advisor commits to:
• Acknowledging receipt within ten business days;
• Processing the complaint within a maximum of two months, unless exceptional justified circumstances apply.
In case of persistent disagreement, you may contact the competent mediator free of charge:
• CIF Activities: Mediator of the AMF – https://www.amf-france.org/en/mediateur-amf