Partner Terms of Cooperation

0. Provider details & contracting party

0.1. The service provider and the Partner's contracting party is the operating entity of Veltiono (hereinafter "Veltiono" or "Provider"). The entity's full details — full legal/trade name, registered seat, tax number (AFM) / tax office (DOY), General Commercial Registry (GEMI) number and contact phone — will be completed once the entity is established and before these Terms are published as a binding contract. The Platform operates at veltiono.gr; contact: partners@veltiono.gr.

0.2. These Terms constitute a binding contract between the above entity and the Partner.

1. Introduction — Subject & acceptance

1.1. These Partner Terms of Cooperation (the "Terms") govern the relationship between the Provider and every professional, business or freelancer (the "Partner") who registers on the Platform in order to receive referrals of property owners interested in renovation works.

1.2. Veltiono operates a subsidy calculator and informational content for the Anakainisi Katoikias programme (colloquially "Anakainizo 2026") and gathers, with owners' explicit consent, their contact details and project details (a "Lead (Referral)").

1.3. Registration on the Platform, activation of a Partner account ("Veltiono Pro") and/or the purchase of a Lead constitutes full and unconditional acceptance of these Terms. If you do not agree, you must not use the Platform.

1.4. These Terms concern exclusively the Provider–Partner (B2B) relationship. They do not govern the relationship between Veltiono and owners/consumers, which is regulated by the separate Terms of Service and Privacy Policy.

1.5. Partner status — not a consumer. The Partner declares and accepts that it contracts exclusively within its commercial, business, craft or professional activity and that it is not a consumer within the meaning of article 1a of Law 2251/1994 (as in force after Law 4512/2018). Consequently, consumer-protection provisions do not apply to the Provider–Partner relationship, including the 14-day right of withdrawal under Joint Ministerial Decision (ΚΥΑ) Z1-891/2013.

2. Definitions

• Provider / Veltiono: the entity referred to in article 0.1.
• Platform: the veltiono.gr website, the subsidy calculator, the Veltiono Pro account and every related service.
• Partner: the person who accepts these Terms acting within its professional activity (see art. 1.5).
• Owner: the consumer who submits details through the Platform interested in renovation.
• Lead (Referral): the set of contact and project details of an Owner that Veltiono makes available to the Partner.
• Units: the prepaid credit unit of the Veltiono Pro account.
• Balance: the Partner's available total of Units.
• Fee / Price: the price (in Units or €) charged per Lead or service, as shown from time to time on the Platform.

3. Veltiono's role — Intermediation

3.1. Veltiono acts exclusively as an intermediary (online intermediation service), facilitating the initiation of direct transactions between Owners and Partners.

3.2. Veltiono does not become a contracting party to any contract, agreement or transaction concluded between a Partner and an Owner. The works contract is concluded directly and exclusively between the Partner and the Owner.

3.3. Veltiono is not involved in the financial terms (fee, time, manner or place of payment) between Partner and Owner, does not supervise, direct or control the performance of the works, and does not guarantee the quality, accuracy of offers, licensing, solvency or availability of any party.

3.4. The Partner is an independent professional and is not linked to Veltiono by any relationship of employment, mandate, agency, partnership or joint venture. The Partner is not entitled to act, or to state that it acts, on behalf of Veltiono.

4. Partner registration & eligibility

4.1. The Partner declares and warrants that it is a lawfully established professional or business in Greece (or the EU), holds a valid tax number (AFM) and, where required, is registered with the General Commercial Registry (GEMI), and that it acts within its professional activity (and not as a consumer).

4.2. On registration and whenever requested, the Partner undertakes to provide and keep up to date, accurate and complete: name, address, phone, email, tax number (AFM), GEMI number (where applicable), payment account details and, on request, a copy of an identification document and/or licensing supporting documents.

4.3. The Partner self-certifies the legality of the services it provides and its compliance with applicable law.

4.4. Veltiono reserves the right to verify the above details, with reasonable efforts, through public registries/sources, and to suspend the account until they are completed or corrected.

5. Lead provision, ranking & differentiated treatment

5.1. Veltiono makes Leads available to Partners based on criteria such as: work category, geographic coverage area, availability and Partner profile.

5.2. Ranking/allocation (art. 5 of Regulation (EU) 2019/1150). The main parameters determining the ranking and allocation of Leads are category relevance, geographic proximity, profile completeness and Partner availability. The ranking or priority in the provision of Leads is not affected by any direct or indirect remuneration; there is no possibility of paid (promoted) ranking as at the date of issue of these Terms.

5.3. Exclusivity (hybrid model). As a rule, the same Lead may be made available to more than one Partner, who compete for the award of the project by the Owner. Where an exclusive Lead or exclusive provision method is expressly offered, this is stated at the time of purchase. In any case, the provision method of each Lead is shown to the Partner before purchase.

5.4. Differentiated treatment (art. 7 of Regulation (EU) 2019/1150). Veltiono does not itself offer renovation services competing with the Partners, nor does it grant preferential treatment to any Partners it may control. To the extent any differentiated treatment is in future applied as regards ranking, data access, pricing or Lead-provision terms, it will be described expressly in these Terms before it is applied.

6. Disclaimer & limitation of warranties — No guarantee of outcome

6.1. Veltiono's role is limited to providing the Partner with the ability to communicate with an interested Owner.

6.2. Veltiono does not guarantee: (a) a specific number or volume of Leads; (b) that an Owner will reply, respond or proceed with the works; (c) that the Partner will undertake any project or conclude any contract; (d) the level of interest, solvency or intention of the Owner.

6.3. The number of Leads depends on consumer demand, seasonality, market conditions, the area and the Partner's profile, and constitutes, where given, a mere non-binding estimate.

6.4. Fees are payable for the provision of the referral/ability to communicate and do not constitute a success fee. No refund is owed because the Owner did not reply, chose another Partner, or the Partner did not secure the project (see article 8).

7. Financial terms

7.1. Prepaid Balance. The Partner prepays Units into the Veltiono Pro account. The Price of each Lead or service is automatically deducted from the Balance, as shown before purchase.

7.2. Payment method. Payments are made through the payment-services provider (Viva / PSP). The Balance is a credit for purchasing Leads/services and does not constitute a deposit or bank account; it is not paid out in cash except in the cases expressly provided for.

7.3. Pricing model. The applicable model is per Lead (per-lead). Veltiono may offer alternative models (subscription or commission), which will be governed by supplementary special terms. The Price per Lead may vary by project value, category, area and seasonality.

7.4. VAT & invoicing. Fees are stated exclusive of VAT. Veltiono adds VAT at the applicable rate (currently 24%, Law 2859/2000) where due and issues a lawful tax document. Each party is responsible for its own tax obligations and electronic-invoicing / myDATA (AADE — Greek tax authority) obligations, including the mandatory electronic invoicing of B2B transactions (articles 239–240 of Law 5222/2025, amending articles 14–15 of Law 4308/2014 — Greek GAAP/ELP), as from the time it becomes applicable.

7.5. Price changes. Veltiono may change Fees for future purchases, with prior notice under article 14. Already-purchased services and already-charged Leads are not affected.

8. Refunds (credits)

8.1. Units and Lead Fees are as a rule non-refundable.

8.2. By way of exception, the Partner is entitled to a refund in Units (credit to the Balance, not in cash) if, within fourteen (14) days of receiving the Lead, it notifies Veltiono that one of the following objective cases applies: (a) the phone number provided is invalid/non-existent; (b) the email address does not work (message bounce-back); (c) the contact details do not correspond to the person who submitted the request; (d) the Lead is a duplicate, i.e. it concerns the same Owner and the same project already charged to the same Partner within thirty (30) days; (e) the Lead is outside the category or coverage area that the Partner itself had defined in its profile.

8.3. No right to a refund arises where the details are correct but the Owner did not reply, delayed, changed its mind, chose another Partner, or the Partner did not secure the project.

8.4. Veltiono examines each request within ten (10) business days and, if accepted, credits the Partner's Balance with Units of the same value as those charged.

9. Partner obligations

9.1. The Partner undertakes to: (a) hold and maintain all required licences, certifications and insurance cover; (b) perform the works with professional diligence and in accordance with applicable law; (c) not claim qualifications or experience it does not possess.

9.2. Compliance with consumer-protection law. The Partner, as a contracting party to the contract with the Owner (consumer), undertakes to comply fully with consumer-protection law, in particular Law 2251/1994 (as amended by Joint Ministerial Decision (ΚΥΑ) Z1-891/2013 and Law 4933/2022), including pre-contractual information and the 14-day right of withdrawal for distance/off-premises contracts.

9.3. Prohibition of circumvention & resale. The Partner may not: circumvent the Platform to avoid charges, extract data through scraping, send unsolicited communications (spam), or use Leads for a purpose other than serving the specific request. The Partner does not resell, redistribute or transmit Leads to third parties. In the event of proven resale or systematic circumvention, Veltiono is entitled to a penalty clause of up to five times (5×) the price of the relevant Lead (art. 404 of the Greek Civil Code), without prejudice to any further claim for damages, and to suspend or terminate the cooperation and close the Partner's account.

9.4. The Partner is liable for every statement, communication and transaction with Owners.

10. Personal data (GDPR)

10.1. Independent controllers. Veltiono is the controller for the data it collects through the Platform. Veltiono declares that it has collected the Owner's data on a legal basis covering its transmission to the Partner for the purpose of communication regarding the renovation request, and that the Owner has been informed accordingly. Upon transmission of a Lead, the Partner becomes a separate/independent controller (and not a processor, nor a joint controller) for the Owner's personal data it receives.

10.2. The Partner declares and warrants that it will: (a) process the data lawfully, on its own legal basis (art. 6 GDPR) and with its own information notice (arts 13–14); (b) use it exclusively to communicate with the specific Owner about the specific renovation request (purpose limitation); (c) not resell, redistribute or add the data to marketing lists without a new legal basis; (d) apply appropriate security measures (art. 32); (e) satisfy data-subject rights (arts 12–22); (f) delete the data if the Lead does not lead to a contract, subject to any lawful retention obligations; (g) inform Veltiono of any breach without undue delay.

10.3. Applicable data-protection law: Regulation (EU) 2016/679 (GDPR) and Law 4624/2019, under the supervision of the Hellenic Data Protection Authority (HDPA).

10.4. Data access (art. 9 of Regulation (EU) 2019/1150). On purchasing a Lead the Partner gains access to the contact and project details of the specific Owner, through its account on the Platform and for the duration of the account. The Partner does not gain access to other Partners' data or to aggregate/statistical Platform data. Veltiono does not transmit to third parties the data the Partner provides, save for necessary processors (PSP, infrastructure providers) and where required by law.

11. Intellectual property & confidentiality

11.1. All rights in the Platform, the subsidy calculator, the methodology, the content, the marks and the Veltiono name belong to Veltiono. The Partner acquires no rights in them.

11.2. The Partner may not use, reproduce or register Veltiono's marks/name without prior written consent.

11.3. Confidentiality. The Partner keeps confidential the Leads, the prices and any non-public Veltiono information, uses them only for the agreed purpose and does not disclose them to third parties. The obligation survives termination of the contract.

12. Indemnity

12.1. The Partner undertakes to indemnify and hold Veltiono harmless from any third-party claim, damage, loss, fine, cost or expense (including reasonable legal costs) — in particular of Owners, authorities or the HDPA — arising from: (a) the Partner's works or conduct; (b) breach of these Terms or of the law (including consumer and data protection); (c) inaccurate or misleading details it provided.

12.2. Veltiono promptly notifies the Partner of any relevant claim, provides reasonable cooperation and does not admit or settle without the Partner's consent. The indemnity obligation does not cover damages attributable to Veltiono's own fault.

13. Limitation of liability

13.1. To the maximum extent permitted by law, Veltiono is not liable, by way of example and not limitation, for: lost profits, loss of turnover/clientele, loss of reputation, or indirect/consequential damages.

13.2. Veltiono's total cumulative liability towards the Partner, for any claim arising from or in connection with these Terms, is limited to the greater of: (a) the total Fees the Partner paid during the twelve (12) months preceding the damaging event, or (b) one hundred (100) euros. The limitation applies to the extent permitted by mandatory law.

13.3. Nothing in these Terms excludes liability that cannot be excluded by law (e.g. wilful misconduct, gross negligence, personal injury).

14. Amendment of the Terms

14.1. Veltiono may amend the Terms. Each proposed amendment is communicated on a durable medium and takes effect after a reasonable period of at least fifteen (15) days from notification (or longer, where technical/commercial adjustments are required) — art. 3(2) of Regulation (EU) 2019/1150.

14.2. The Partner may terminate the cooperation before the period expires. Continued use after the effective date constitutes acceptance.

14.3. Price amendments do not apply retroactively to already-purchased Leads or Units.

15. Suspension & termination

15.1. The Partner may terminate the cooperation and close its account at any time. Accrued payment obligations remain.

15.2. Grounds for suspension/restriction/termination by Veltiono include: breach of the Terms or of the law, failure to provide/inaccuracy of details (art. 4), overdue amounts, abusive conduct, or risk to the reputation/legality of the Platform.

15.3. On restriction or suspension of an individual Partner, Veltiono provides a statement of reasons on a durable medium, before or at the time it takes effect. For termination of all services, the statement of reasons is provided at least thirty (30) days in advance, unless a legal obligation or a repeated breach applies (art. 4 of Regulation (EU) 2019/1150).

15.4. If a restriction or suspension proves unjustified, Veltiono restores the Partner's access without undue delay. To the extent Regulation (EU) 2022/2065 (DSA) applies, Veltiono complies with lawful orders of authorities and provides the prescribed statement of reasons.

15.5. Consequences for the Balance on termination. On termination or expiry of the cooperation:

• (a) Veltiono is entitled to set off against the Balance any amount the Partner owes it, including any penalty clause (art. 9.3) and indemnity;
• (b) Units already spent (for Leads/services received) are not refunded (art. 8);
• (c) any unspent Balance remaining after set-off is returned at Veltiono's option, either by refund to the original payment method or by another suitable means. The Partner has no right of cash withdrawal at will.

16. Dispute resolution & governing law

16.1. Complaints. For complaints regarding use of the Platform, the Partner may contact partners@veltiono.gr; Veltiono makes reasonable efforts to respond in a timely manner. Veltiono, as a small/micro enterprise within the meaning of the Annex to Recommendation 2003/361/EC, is exempt under articles 11 and 12 of Regulation (EU) 2019/1150 from the obligation to operate a standardised internal complaint-handling system and to designate mediators. Should it cease to meet those criteria, it will comply with the above articles.

16.2. Governing law & jurisdiction. These Terms are governed by Greek law. The courts of Athens are designated as exclusively competent. No link is provided to the EU Online Dispute Resolution (ODR) platform, as Regulation (EU) 524/2013 was repealed by Regulation (EU) 2024/3228 and the relevant platform ceased to operate on 20.07.2025; in any case, the relationship is B2B and does not fall within consumer ADR/ODR law.

17. Final provisions

17.1. Force majeure. Neither party is liable for non-performance or delay due to events beyond its reasonable control (indicatively: acts of God, war, strikes, network/hosting outages, failure of third-party providers such as the PSP, governmental acts). Monetary debts are not suspended. Prolonged force majeure exceeding thirty (30) days gives a right of termination.

17.2. Assignment. Veltiono is entitled to assign the contract to a successor entity on notice; the Partner does not assign without written consent.

17.3. Invalidity of a term does not affect the validity of the remainder.

17.4. Any non-exercise of a right does not constitute a waiver.

17.5. These Terms, together with any special terms, constitute the entire agreement between the parties.

17.6. Language. The authentic text is the Greek one. Any translation is provided for convenience; in case of divergence the Greek prevails.