Terms of Service

Version 3.0 — August 16, 2026. Applies to purchases made on or after August 16, 2026.

This is one document in three parts.

Part One — Using Aelos covers our website and your account. It applies to everyone.

Part Two — What you buy from us is the agreement for what you buy and how we deliver it. It applies when you buy Move Concierge or Membership, and it is what you accept by ticking the box at checkout.

Part Three — The rest covers your documents and data, liability, disputes, endings, and how these terms change. It applies to everyone, and to your purchase.

If you're not buying anything from us, you can stop at the end of Part One.

1. About these terms

Aelos Inc. operates aelos.net (the marketing website) and app.aelos.net (the authenticated product). Aelos is a coordination service helping Americans plan retirement in France. By using either site, or by signing in to an Aelos account, you agree to these terms.

Part Two is the agreement for what you buy from us, and for how we deliver it. It's what you accept by ticking the box at checkout, and it governs your purchase from that moment. It's short on purpose, and written to be read rather than skimmed past. If anything there isn't clear, email contact@aelos.net before you pay — we'd genuinely rather answer the question than have you guess.

These terms sit alongside our Privacy policy, which covers what we do with your personal information. Where Part One and Part Two overlap, Part Two governs what you bought.

2. Your account

You may sign in to app.aelos.net with a Google account or via a one-time email link. You are responsible for maintaining the confidentiality of the account and for all activity that occurs under it. You must provide accurate information and keep it current. We may suspend or terminate an account that we reasonably believe is being used in violation of these terms or applicable law.

Section 16 covers how a household account works once you've bought something, and what happens to your documents and your data.

3. What's on our site isn't advice

The content on this site — including articles, the tax calculator, FAQ answers, pricing pages, and any other material — is provided for general information only. It is not legal, tax, immigration, or financial advice and does not create any advisor-client or attorney-client relationship.

The tax calculator gives estimates based on publicly available rules and the inputs you provide. Actual tax outcomes depend on the complete facts of your situation and the rules in force at the time. Do not rely on the calculator as a substitute for advice from a qualified professional licensed in the relevant jurisdictions.

Nothing on this site should be acted upon without first consulting a qualified professional in the relevant jurisdiction (for example a French notaire, a French or US-licensed tax advisor, or a US-qualified immigration attorney).

That's about what we publish. When you buy from us, section 12 sets out who does the regulated work on your file, and who's licensed to do it.

4. Third-party links

The site links to third-party services (Calendly, Google, and others). We are not responsible for the content, policies, or practices of third parties. Bookings made through Calendly are subject to Calendly's terms.

This section is about links from our website. The specialists who work on your file when you buy from us are a different thing — section 13 covers them.

5. Our content

All content on the site, including text, images, logos, and layout, is owned by Aelos Inc. or licensed to us, and is protected by copyright and trademark laws. You may view and share individual pages for non-commercial purposes. You may not copy, reproduce, or adapt the content for commercial use without written permission.

6. How you accept, and who you're contracting with

Aelos Inc., a Delaware corporation ("Aelos", "we", "us"). You accept these terms by ticking the box at checkout — that click is your signature, and you agree to contract and receive notices electronically.

If you're buying two Move Concierge places, you're buying for both of you, and you confirm you're authorized to do that. We'll ask the second person to accept these terms in their own name before we begin work on their file — until they do, these terms bind you, the person who paid, rather than them.

If it turns out they didn't want it, that's the situation section 11 already covers: we stop their work the same day, refund what we hadn't started for them, and re-quote the rest for one person. We ask for the second acceptance early precisely so nobody ends up further down the road than they meant to be.

We record which version you accepted alongside your payment, and every version stays published at its own permanent link, so you can always see exactly what you agreed to.

7. What Move Concierge includes

$5,000 per person. The fee is per person because the visa and healthcare work is per person. Section 10 sets out the two discounts that come off your household's total, and when you pay. Here's what we do — the visa, healthcare, license and translation work for each of you, and the housing, estate and Membership items once for your household:

• Visa dossier preparation, filing, and post-arrival validation (VLS-TS)
• Cross-border estate-planning consultation
• Certified translations of civil-status docs and driver license
• French bank account setup
• Healthcare onboarding: Sécurité Sociale, Carte Vitale, and Mutuelle
• US driver's license exchange, where reciprocity applies
• Rental closing — lease review, signing, guarantor coordination
• 50% off your first year of Aelos Membership when you activate on arrival

Two notes on that list. Every item describes work we do, not a result we can guarantee — see section 15. And some items depend on facts nobody controls: a license exchange only works if your license came from a state France has reciprocity with and the file goes in within twelve months of your VLS-TS validation, and no bank is obliged to take on any customer — if one refuses you, we go back with another, and if it comes to that we'll help you use the Banque de France's droit au compte procedure, which exists for exactly this situation. On translations: we cover the certified translations your dossier actually requires, so if a step we're running needs a document translated, that translation is on us. Where a condition won't be met, we'll tell you early rather than late.

Some steps are yours alone — holding a valid passport, ordering your own civil-status documents and apostilles, attending your visa appointment in person, signing your own declarations. We'll tell you which ones well before they're due.

If you buy well ahead of your move. When your move date is more than four months out at checkout, you're on the three-part payment schedule in section 10, and the work is phased to match. Until four months before your move date, your fee covers the preliminary phase:

• A sequencing plan — a dated schedule for your whole move, worked back from your move date
• A document audit of your identity, civil-status and financial documents
• A financial review against the visa's resource threshold
• Your visa path, determined and confirmed
• Your driver's-license exchange position, determined for your state
• One scoped orientation session each with the estate attorney, the cross-border CPA, and the pet-relocation specialist — deeper work with any of them is a separate engagement, quoted and billed by the specialist directly

What the preliminary phase doesn't include — dossier assembly, consulate filing, apartment search, and arrival logistics — begins at the four-month mark, alongside the second payment. That's not us holding work back for the sake of it: a long-stay visa application can't even be lodged more than three months before departure, and documents gathered too early go stale and have to be gathered again.

Move Concierge ends when your post-arrival steps are complete. If a long stretch passes — say more than 18 months — without you confirming arrival in France, we may close the engagement rather than leave it open forever. We'd write to you before we did. If we close it, we won't charge the second half, and nothing further is owed. To be clear in both directions — closing the file isn't itself a refund. What you paid at checkout covers the work we completed or had underway by then. If you're owed money back, section 11 sets out when. That 18-month clock pauses for any stretch where we're the reason your file isn't moving. Life happens — if you want to pick it up later, just email us. You won't pay again for work we've already done; we'd only quote for whatever has to be redone because documents or rules have gone stale. After you confirm arrival, we work your post-arrival steps until they're done — or until twelve months have passed and what's left is waiting on you, at which point we'll close the engagement, tell you plainly what's still open, and pick it back up whenever you're ready.

8. What Membership includes

$3,500 per year, per household — one membership covers a couple. It's a prepaid one-year term.

• A dedicated Aelos concierge for your questions
• Visa renewals, with alerts from five months out
• US tax filing by a licensed CPA — federal, one state return, FBAR & Form 8938
• French annual tax return by a cross-border tax specialist, synced with the US side
• Healthcare and mutuelle guidance
• Banking setup and international transfers guidance
• US & French filing-deadline calendar
• On demand paid consultations with our vetted partners

Your membership runs one year and then ends. It never auto-renews, and we will never charge your card for another membership year without you actively buying one. That promise is about Membership. Move Concierge has its own payment schedule — including, on the three-part schedule, one charge you authorize in advance — and section 10 sets it out in full. We'll email you before your membership expires so you can decide. Renewal is at the rate in effect when you renew.

One membership year includes one tax-filing year: you're eligible for a year's filings if your membership is active on December 31 of that year (Paris time). In plain terms, that test looks forward, not back — join in March 2027 and you're covered for the 2027 returns we prepare in spring 2028, not the return due a few weeks after you join. If you need an earlier year filed too, tell your concierge and we'll quote it before any work starts. We use Paris time because that's where your French return is filed.

If your membership lapses, we still complete the filings for any year you were active on December 31 — you paid for that year, and your vault stays open for uploads so you can send the 1099s and statements those filings need. Once that's delivered, other services pause and your vault becomes read-only: everything stays safe and viewable, you just can't add to it until you renew.

Tax filing covers the "standard case" in Schedule A. If your situation includes something on the excluded list, your concierge will introduce the right partner and get you a quote before any work starts. Declining that quote changes nothing else in your membership, and doesn't entitle you to a refund of it.

9. What's not included

Government-mandated and TLS fees are yours: the consulate visa fee, the TLScontact fee, the TLS Express passport-return courier (about $40 per person), the validation timbre fiscal, and US apostilles. Plan on roughly $840 per person — but that's an estimate, not a price. These amounts are set by the French and US governments and by TLScontact, and change without reference to us. We only pay one of these for you if you've asked us to in writing first — with one exception: the passport-return courier, which we book for you ahead of your TLS appointment unless you tell us not to, so your passport's return trip is arranged before the passport leaves your hands. Either way, anything we pay is invoiced to you separately by email at cost, with no markup or handling fee — it's never taken from your saved card.

Also not included, and paid by you directly to whoever provides them: insurance premiums (your visa-year policy and your mutuelle), your French bank's own charges, a rental guarantor service, a US virtual mailbox — we help you choose one and get the notarized USPS Form 1583 done before you leave, but you contract with the provider and pay their monthly fee — any legal or notarial work following your estate consultation, and anything on the Schedule A excluded list.

Home search. If you want help finding a place to live, we'll scope what you're looking for and introduce you to a vetted partner who does that work. The search itself is theirs, not ours: you engage them directly, on their terms, and they quote and bill you separately. We neither pay nor receive a fee for that introduction, as section 13 explains. What is included in your Aelos fee is the rental closing once you've found somewhere — lease review, signing, and guarantor coordination.

None of the costs above are Aelos fees, and none of them should be a surprise. Before you reach each one, your concierge gives you the current range in writing so you can budget for it. If you'd rather see those numbers before you pay than after, just ask.

On state tax returns: one state return is part of the standard case — resident, part-year or non-resident, one in total for each tax year you're eligible for under section 8. If you need a second state return for the same tax year, or a state challenges your residency and it turns into a dispute or an audit, that's separate work rather than a surprise bill: your concierge tells you what it costs and gets your go-ahead before anything starts.

France may also assess social charges on you directly — most visibly the cotisation subsidiaire maladie, a charge on investment income for residents whose income isn't mainly from work. In practice most American retirees living on pension income aren't assessed it, but that's current practice rather than settled law, so we won't promise it. We'll brief you before you're exposed to it, and if a notice ever lands, send it to your concierge — our partner checks whether it's right before you pay anything.

You'll never owe a partner cost you haven't approved first. If work outside your plan is needed, we say so, tell you who'd do it, and get you a price before anything starts.

10. What you pay, and when

Prices are in US dollars. Payment is by card, processed by Stripe.

The Move Concierge price. $5,000 per person. Two discounts come off your household's total at checkout:

• Married couple — buying for two as a married couple takes $1,000 off the total.
• EU passport — $2,000 comes off for each of you who also holds a passport from an EU member state, because the visa work falls away for that person. You tell us this at checkout, on your word, and we check it against the passport you upload later.

The checkout screen shows the arithmetic — list price, each discount, and your total — before you pay, and the same breakdown is on your receipt. So one person pays $5,000, or $3,000 with an EU passport; a married couple pays $9,000, $7,000 with one EU passport, $5,000 with two.

About that EU-passport discount. It relies on what you told us. If the passport you later provide doesn't match — no EU passport where one was claimed — we'll ask you about it first, because a mismatch is usually a misunderstanding. If the claim was simply false, we may reprice your purchase to what it would have cost without the discount: the difference is added to what remains to be paid, shown to you before anything is charged, and never taken from your saved card without your on-screen approval. If it goes unpaid, that's a payment properly due under section 20.

When you pay depends on when you're moving. Your target move date at checkout picks one of two schedules:

• Moving within four months, or no set date yet — 50% at checkout, and 50% when you confirm your arrival in France in the app.
• Moving more than four months out — 15% at checkout, 35% four months before your move date, and 50% when you confirm your arrival. Until the four-month mark your fee covers the preliminary phase in section 7; the 35% payment opens the dossier and filing work.

Each payment is a percentage of your discounted total, computed in whole cents so the payments sum exactly to it, and checkout shows each amount in dollars with its date.

The scheduled payment — the one charge we make without you on screen. On the three-part schedule, we save your card securely with Stripe, and by ticking the box at checkout you authorize us to charge the 35% payment to it on the scheduled date — four months before your move date. That is the only charge we ever make on our own initiative. We email you at least seven days beforehand with the amount, the date and the card, so nothing about it is a surprise. If your move date changes before the 35% has been charged, the scheduled date moves with it — it's always four months before your current move date — and if a change pulls it closer, we won't charge earlier than seven days after the change that pulled it in. Once it's been charged, a later date change doesn't unwind it. While a scheduled payment is pending you can update your move date but not remove it; if your plans genuinely dissolve, email us and section 11 governs.

If the scheduled charge fails. Cards expire and banks decline — it happens. We email you right away with a link to pay in the app, on any card, and retry the saved card a small number of times over the following days. The dossier and filing work that payment opens can't start until it's paid, and if it's still unpaid 30 days after the scheduled date we may treat it as a payment properly due that hasn't been made — the section 20 ground for ending the engagement, with section 11 governing any refund. We'd write to you well before doing that.

The arrival payment works the way it always has. Nothing more is taken before you confirm your arrival in France in the app. When you do, you'll see the amount and the card on screen and approve the charge yourself, and you can use a different card instead. It is never charged automatically. If a scheduled payment was never collected — because you arrived early, or a charge failed — it's added to the arrival payment and approved the same way, on screen.

Membership — one payment, upfront, for the year.

The 50%-off first year ($1,750) appears once, when you confirm your arrival as a Move Concierge customer. If that's not the moment to be making decisions, that's completely fine — Membership is there whenever you're ready at $3,500 a year, and your concierge will talk it through with you first if you'd like.

Prices exclude any sales, use, VAT or similar taxes. If one ever becomes due, we'll tell you before it applies — and never on a purchase you've already paid for.

11. Changing your mind

Move Concierge — three business days. Email contact@aelos.net within three business days of checkout and we refund what you've paid, whatever we've started, less only a government or partner fee we'd already paid on your written instruction and can't get back.

Move Concierge, after that.

• For as long as we haven't begun work on your file, we refund what you've paid in full. Just email us.
• What "begun" means depends on your schedule. On the 50/50 schedule it means substantive work: we've opened your file with our visa-administration partner, commissioned a certified translation, booked your TLScontact appointment, or paid a government or partner fee on your behalf. On the three-part schedule the checkout payment covers the preliminary phase, and preliminary work has begun once the first of these has happened: we've delivered your sequencing plan, opened your document audit, or booked one of your orientation sessions. Ask us at any point and we'll tell you which, if any, has happened — until then, a full refund is yours for the asking.
• Once begun, the checkout payment isn't refundable: it covers the work of its phase.
• The 35% payment covers the dossier and filing work. If it's been charged but substantive work hasn't begun, we refund it on request. Once substantive work has begun it isn't refundable — that work is the same whether or not the visa is ultimately approved.
• If your visa is refused: what you've paid stays with us, because it paid for the preparation and dossier work, and that work was done. The arrival payment is not charged, and neither is any scheduled payment that hasn't happened yet. If we think a corrected file can fix the refusal, we'll re-prepare and re-file once at no additional Aelos fee, within six months, and you pay only the new government fees. If we don't think it can, or you'd rather appeal, we'll introduce you to a French avocat who takes that on directly with you at their own rate. Either way we'll tell you honestly which of the two we think it is.
• The arrival payment is never a debt you owe. If your plans change or you decide not to go, it simply isn't charged and the post-arrival work isn't performed.
• If one of you can't go — a change of heart, illness, or something worse — tell us. We stop that person's work the same day and re-quote the remainder for one person, with the discounts that still apply: the couple discount falls away, and an EU-passport discount stays only with the person it belongs to. Everything you've already paid counts toward the new single-person total; if it's more than what one person would have owed by the same point in the schedule, we refund the difference, and any uncharged payments are recomputed from the new total. We'll show you the arithmetic before anything changes. If the reason is a bereavement, we'll pause the whole file and the 18-month clock in section 7 stops until you tell us you're ready.

Membership is non-refundable. It's a prepaid year, bought once. If your plans change, or you don't end up using it, we don't refund the unused part of the year.

We say that plainly because of how the product is built rather than to be hard about it. Membership never auto-renews, so you're never paying for a year you didn't actively choose. The price is on screen before you pay, and Schedule A tells you exactly what the tax scope is — including what it doesn't cover — before you buy rather than after. There's no lock-in to get out of; there's one year, and then it ends on its own.

Three things this doesn't touch:

• If we can't deliver, you get money back. If we end the engagement for any reason other than the ones in section 20, or a force-majeure block runs past 90 days under section 15, those sections govern and you're refunded for what we haven't done.
• A year you already earned still gets filed. If your membership lapses, section 8 still applies: we complete the filings for any year you were active on December 31.
• If you live in France or the EU, section 18 governs. Your statutory withdrawal right applies whatever this paragraph says — we can't sign that away and we're not trying to.

If you think something has gone wrong, email contact@aelos.net anyway. Non-refundable is our policy on a change of mind, not a refusal to talk: we'll give you an answer within 5 business days, and where we've genuinely got something wrong we'd rather fix it than stand behind a clause. We'll never ask you to sign a confidentiality or no-review agreement to resolve something, and we will never hold your documents to secure payment.

12. Who does what — and who's licensed to do it

Aelos does the administrative and organizational work: assembling your documents, preparing and submitting forms you've approved, booking appointments, tracking deadlines, and sequencing specialists so nothing falls between them. That's a real job, and it's the one you're paying us for. What we are not is a law firm, a tax preparation firm, a registered investment adviser, an insurance broker, or a real-estate agent — nobody at Aelos is your attorney. The regulated work is done by people licensed to do it.

Where the professional's own rules require it — a French expert-comptable, an avocat, a notaire — you sign a nominative engagement letter (lettre de mission) directly with them, and you are their client. Signing it doesn't mean a second bill: for the work included in what you've bought, we pay these professionals out of your fee, and section 13 sets out which ones. For the partners we engage and pay on your behalf, such as our visa-administration partner, our sworn translator and our healthcare-enrollment partner, we're responsible for choosing and coordinating them; the professional remains responsible for their own work.

You approve every substantive decision, and every application is filed in your name. Some filings you sign and submit yourself — your visa application and its declarations. Others, like your ANEF validation and your annual renewal, we prepare and submit on your behalf, from information you've given us and approved.

The estate consultation included in Move Concierge works the same way: the attorney is independent, gives their advice under their own terms directly to you, and anything that follows from it — a will, a Brussels IV election, a restructuring — is a separate engagement priced by them. We pay for the introduction, not for advice given to you on our behalf.

13. Our partners

We choose and coordinate the specialists working on your file. You'll always know who they are before they start: every step in the app names the partner involved before you reach it, and you can ask your concierge for the current list at any time — including now, before you pay. Partners do change over time; if the one on your file changes we'll tell you, and the replacement will be equally qualified.

Some partner work is paid by us out of your fee — visa preparation, sworn translation, healthcare enrollment, and, in Membership, your US CPA and your French expert-comptable. Some you pay directly, as listed in section 9. Either way, we don't pay or receive referral fees — French regulations prohibit it — so an introduction from us is never a commission for us.

We're responsible for choosing partners carefully and coordinating them properly. Their professional advice is their own, and a claim about it runs to them rather than to us — but you won't be left to chase it alone. Tell your concierge and we'll help you raise it, and stay in it with you until it's settled.

14. What we need from you

Accurate, complete and current information and documents, when we ask for them. Documents that are genuinely fresh — third parties enforce freshness rules we can't waive, on proof of address, civil-status documents, and financial statements. Your attendance where only you can attend, including your visa appointment. Your signature where only you can sign. And a heads-up when something changes, especially your address or region before we file, because that fixes which préfecture handles your file.

Two lead times matter more than the rest: for a titre renewal we need your documents at least 30 days before your four-month filing window opens, and for a tax year we need your questionnaire and source documents by the date your concierge gives you at the start of the season. Miss one and we'll still do the work, but we can't promise the filing date. And whatever we're doing for you, your residency status and your own filing obligations stay yours — we run the calendar and the alerts; we don't take over responsibility for your legal position.

Our side of that bargain: your concierge replies, usually within one business day, we track every deadline on your file, and we reach out well ahead of the ones that matter.

We're not responsible for delays, refusals or extra cost caused by information or documents that turn out to be incomplete, inaccurate or late, or by a missed appointment. In practice that usually means a third party's fee has to be paid twice, not a new charge from us; if redoing our own work ever means a real cost to us, we'll tell you the number before we start, never after.

And if something we file for you turns out to be false or materially incomplete because of something you knew, or should have known, and didn't tell us, and we're fined for it, you'll cover that fine — up to what you've paid us for that product. We'll tell you promptly if a claim like that comes up, keep you in the loop, and won't settle it without asking you first. Honest mistakes and forgotten paperwork are a normal part of this work: we find them, we fix them, and this isn't about them.

15. What we can't promise

The decisions that matter most here aren't ours to make. The consulate decides on your visa, the préfecture on your residence permit, the health service on your registration, the tax authorities on your returns — and banks, landlords and insurers each decide who they take on. So we can't guarantee that a visa is issued, that a bank opens an account, that a license is exchanged, or that any of it happens by a particular date: the consulate publishes no timeline of its own, and health registration runs at a different speed in every local office. Your fee pays for our work, not for a particular result.

What we do commit to: doing the work with reasonable care and skill; opening your renewal preparation around five months before your permit expires and filing as early as the préfecture will accept it; and telling you when something outside our control moves. Those are the process commitments in this contract — other pages on our site describe the service, but this document is the deal.

Some things are outside everyone's control: government or consulate closures, strikes, outages of the ANEF, ANTS or TLScontact systems, changes in French or US law or administrative practice, public-health measures. If one of those hits your file, we'll tell you and we'll keep working. For as long as it lasts, our deadlines move with it and neither of us is liable to the other for the delay it causes. If it's still blocking your file 90 days later, either of us can end the engagement — you pay for the work done up to that point, and we refund the rest.

16. Your account, your documents, your data

Aelos accounts are one per household, not one per person. A single email address signs in, and whoever holds it can see everything in the household's file, including your spouse's documents. Deadline reminders go to both of your email addresses. If that arrangement doesn't suit your household, tell your concierge before you upload anything — we'll agree another way to handle those documents rather than have you find the limitation out later.

Your documents are encrypted in transit and at rest, shared with the specific partner performing a step — only what that step needs, through expiring, revocable, access-logged links. They're also handled by the service providers that run Aelos, listed in our Privacy policy: when you upload a document, an AI model reads it so we can name it and file it to the right task, and where we use AI to help draft a reply to you, a human reviews it before anything is sent. Your data isn't used to train models. We never sell your personal information, and we never share your documents or account details for advertising.

When your Move finishes or your membership lapses, your documents stay available to you, read-only, for at least three years — you can download anything you want to keep, whenever you want it. At any point you can email contact@aelos.net to get your data back, or to have it deleted sooner. The Privacy policy has the full detail.

17. If something goes wrong

If we get something wrong, tell us. Most problems are fixable, and we'd much rather fix one than argue about it.

For anything that isn't: our total liability for all claims connected to a product, taken together, is limited to what you actually paid us for that product. We're not liable for knock-on losses — a lost rental deposit, extra flights, a delayed move, a lost opportunity — or for government fees, third-party professional fees, or tax and filing penalties, interest or surcharges assessed on you by the IRS, the DGFiP, URSSAF or any other authority. If a penalty is down to a mistake by the licensed professional who prepared your return, that's a claim against them and their insurance, and we'll help you bring it.

That's the ordinary shape of a services contract, and it's what lets us charge a set fee, agreed before we start, instead of pricing everybody's worst case into it. Nothing here limits our liability for fraud or fraudulent misrepresentation, for death or personal injury caused by our negligence, for gross negligence or willful misconduct, or for anything the law doesn't permit us to limit.

18. If you live in France or the EU

This section applies if you're habitually resident in France or another EU member state when you buy. If you're not, it doesn't affect you — but it's published here rather than hidden, so everyone reads the same document.

You keep every consumer protection your local law gives you, whatever the rest of this document says. That includes a 14-day right to withdraw from a distance service contract, running from the day after you buy.

If you'd like us to start work inside those 14 days, checkout asks for your express request that we do so, and your acknowledgment that you lose the right of withdrawal once we have fully performed the service. We record that request with your purchase, and you can ask us for a copy of it at any time. If we never asked you for it, you owe us nothing for anything we did inside the 14 days.

Withdraw partway through and you pay for what we'd already performed by the time you told us, in proportion to the total price of the service. If you withdraw, any scheduled payment that hasn't yet been charged is canceled. If what you've paid is more than your share of what was performed, we refund the difference; if it's less, we invoice the difference — we don't take it from your saved card. To withdraw, email contact@aelos.net — any clear statement is enough. Section 19 doesn't apply to you: you can bring a claim in the courts where you live, under your own law.

19. Sorting out disagreements

First, email contact@aelos.net and give us 30 days. That resolves nearly everything.

If it doesn't, and you're in the US, we'll settle it by individual arbitration under the AAA Consumer Arbitration Rules — by video or in your home district, with us paying the filing fee — or in small-claims court, if you'd prefer that. Neither of us will bring a class action. You can opt out of this paragraph by emailing contact@aelos.net within 30 days of a purchase and saying so; opting out once opts you out for good, and changes nothing else in these terms.

This paragraph is governed by the Federal Arbitration Act. The arbitrator decides questions about the scope or enforceability of this arbitration agreement — except that a court decides whether the no-class-action sentence holds, and if a court finds it doesn't, this whole arbitration paragraph falls away and we both go to court instead.

These terms are governed by Delaware law and any court proceeding belongs in Delaware — except that nothing here takes away mandatory protections you have under the law of the place you live.

One request: if a charge looks wrong, please come to us before disputing it with your card issuer. We can almost always fix it faster, and this doesn't take away your right to dispute — we just ask for the chance to go first.

20. Ending an engagement

You can end an engagement at any time, in writing. We can too, but only for a real reason — a payment properly due that hasn't been made, or being asked to do something we believe is unlawful or can't stand behind — and if we're the ones ending it for any other reason, we refund everything you've paid for work we haven't done: for Move, what you've paid less the work already done; for Membership, the unused whole months.

However it ends, your file is yours: we return your documents and leave your vault accessible. Fees for work already performed remain due, section 11 governs anything refundable, and we'll never bill you beyond the amounts set out in section 10.

21. Changes, and the rest

We update these terms from time to time. Material changes to Part One are reflected by updating the version and date at the top of this page, and take effect from the day they're published. Changes apply only to purchases made after they're published — the version you accepted governs your purchase, and it stays available at its own permanent link. We won't change the deal after you've paid.

These terms, the plan details shown to you at checkout, and anything specific we've promised you in writing — including the written summary from your consultation, if you had one — are the whole agreement for your purchase. If a court finds one part unenforceable, the rest stands.

Questions, at any point: contact@aelos.net. A real person reads it.

Schedule A — Tax filing: what "standard case" means

This is the same scope shown to you at checkout.

Included in the standard scope

• French income declaration (form 2042 + the usual annexes)
• US federal return (Form 1040)
• Foreign account reporting — FBAR (FinCEN 114) and FATCA (Form 8938) when required
• One state return per eligible tax year — resident, part-year, or non-resident, one in total
• Standard US-source retirement and investment income
• Email support for routine questions while we prepare your returns

Not included, and handled as a separate, quoted engagement if it applies to you

• Additional state returns beyond the one included
• State residency disputes and audit defense
• Real-estate capital gains
• IFI (French real-estate wealth tax)
• Self-employment or professional activity
• French or foreign companies
• Trusts, foundations, and complex structures
• PFIC (non-US funds held by a US taxpayer)
• International inheritance and gifts
• Exit tax and US or French tax expatriation
• Restructurings and in-depth technical consultations

Aelos Terms of Service v3.0 — August 16, 2026