Championship rules

Experts du Patrimoine Championship competition

 Article 1: Organising companies

SAS SAND 360, with share capital of 30 000 €, hereinafter referred to as “the Organiser”, whose registered office is at 91 RUE DU FAUBOURG SAINT-HONORE, 75008 PARIS, registered under number 904 383 932 R.C.S. Paris, organises a free competition with no purchase necessary from 02/02/2026 at 10h00 to 13/01/2027 at 23h59.

The Game is a free competition with no purchase necessary, open from 2 February 2026 to midnight on 13 January 2027.

To take part, simply visit the game address:

https://www.experts-du-patrimoine.fr/championnat/ and make at least one asset allocation in the game. This involves virtually investing 1 000 000 (one million) euros in one or more available investment instruments and, where appropriate, subsequently making one or more reallocations between those instruments.

The investments and/or divestments made in this way constitute a simulation using investment instruments available through a life insurance contract or securities account. However, this simulation follows actual financial market fluctuations.

Participants will be ranked according to their portfolio performance.

Article 2: Participants

This free game with no purchase necessary is open exclusively to adults who are wealth professionals on the starting date and reside in metropolitan France, including Corsica.

Excluded are anyone not meeting the above conditions, the Organiser’s employees, anyone directly or indirectly involved in designing, producing or administering the game, and their spouses and family members: direct ancestors and descendants or other relatives, whether or not living in the same household.

The Organiser reserves the right to require any participant to prove that they meet the above conditions. Anyone failing to meet them or refusing to provide proof will be excluded and, if a winner, will not receive their prize.

Only one entry per person is permitted, with the same name and address. The Organiser reserves the right to carry out any checks necessary to enforce this rule.

Participation in the game implies full acceptance of these rules.

Article 3: Participation procedure

Participants must visit the following URL: https://www.experts-du-patrimoine.fr

- Participation is reserved exclusively for wealth professionals (CGP wealth advisers, brokers, insurance agents);

- Entry is personal; participants may never play on behalf of third parties. Proof of identity or address may be requested at any time during the Game. Participants may register throughout the competition using the registration form available at: https://www.experts-du-patrimoine.fr/championnat/

Participants must complete the information form fully and correctly for registration to be validated. Players are informed and agree that the information entered in the registration form serves as proof of identity.

Any entry contrary to these rules will be invalid. The Organiser may exclude any participant suspected of fraud without having to give reasons. Any identification or entry that is incomplete, incorrect or illegible, intentionally or otherwise, or submitted in a form other than that specified in these rules, will be void. The same sanction applies to multiple entries.

Article 4: Selection of winners

Participants will be ranked by their portfolio performance in two categories, funds and equities/crypto, as at midnight on 13 January 2027.

Selection date: 20/01/27 at the awards ceremony.

Article 6: Announcement of winners

Players’ performances will be hidden from the public and participants from 21 December 2026 to 13 January 2027. Participants may continue viewing their own performance, but others’ results will remain unknown until the evening of the awards ceremony on 20 January 2027.

Article 7: Use of participants’ personal data

Participants’ information is recorded and used by the Organiser to keep a record of their participation and enable prizes to be awarded.

Participants may object on legitimate grounds to the processing of personal data provided for this game. They may also object to its use for commercial marketing outside their participation in this competition. This right may be exercised upon registration by writing to the Organiser at the address in Article 1.

Winners authorise the Organiser to use their details, namely surname and first name, for advertising or public relations on any medium, without entitlement to remuneration, rights or benefits other than their prize.

Under the latest version of the French Data Protection Act and Regulation No. 2016/679 of the European Parliament and Council of 27 April 2016 on the protection of individuals regarding personal data processing and the free movement of such data (GDPR), participants may exercise their rights of access, rectification, erasure, restriction of processing, data portability, objection and withdrawal of consent by writing to the Organiser at the address in Article 1.

Article 09: Industrial and intellectual property

Reproduction, public display or exploitation of all or part of the elements making up the game, including these rules, is strictly prohibited.

All trademarks, logos, text, images, videos and other distinctive signs reproduced on the website and websites accessible through its hyperlinks are the exclusive property of their owners and are protected worldwide under the French Intellectual Property Code. Unauthorised reproduction constitutes infringement punishable by criminal penalties.

Any unauthorised full or partial reproduction of these trademarks, logos and signs constitutes infringement punishable by criminal penalties.

Participation in this game implies participants’ full and unconditional acceptance of these rules.

Article 10: Liability

The Organiser cannot be held liable in the event of force majeure or an unforeseen event beyond its control.

The Organiser cannot be held liable for postal delays, loss, theft or damage, or illegible postmarks attributable to postal services. Nor can it be held liable or face any claim for events constituting force majeure, such as strikes or severe weather, that partly or entirely prevent participants from taking part and/or winners from enjoying their prizes.

The Organiser, its service providers and partners cannot under any circumstances be held liable for incidents arising from recipients’ or their guests’ use of prizes once the winners have taken possession of them.

Likewise, the Organiser, its service providers and partners cannot be held liable for loss or theft of prizes after winners have taken possession of them. Any additional costs required to take possession of prizes are entirely borne by the winners, who may not claim compensation from the Organiser, service providers or partners.

The Organiser cannot be held liable for delays, discrepancies or errors in updates to the values provided in the Experts du Patrimoine Championship, which come from external sources and are included for information purposes. The values used to calculate transactions and performance are exclusively those displayed on the platform at the precise moment the participant validates the order.

Article 11: Disputes & complaints

These rules are governed by French law.

The Organiser reserves the right to make a final decision on any difficulty concerning the interpretation or application of these rules. No challenge, particularly regarding game procedures, results, prizes or their receipt, will be accepted more than one month after the game ends.

Except in cases of obvious error, information generated by the Organiser’s game systems is agreed to have evidential value in any dispute concerning connection details and the computer processing of that information.