ThomasCdnns/qonto-open-qa huggingface dataset:
Question: What is the difference between a physical person and a legal entity ?

Answer: Physical person A physical person (or legally speaking, a natural person) is any living human being considered as a subject of rights and obligations. A natural person can be recognised by several elements: a family name  (or several) a first name  (or several) a home address  (fixed for at least 6 months per year) a nationality . A natural person has a legal personality, which means that he or she has rights (e.g. voting rights) and duties (e.g. respect for others). In France, to benefit fully and autonomously from their legal personality, a natural person must be of legal age (or emancipated) and not be placed under guardianship or curatorship.     Legal entity Legal entity Under French law, a legal entity (or, legally speaking, a legal person) is a group with legal personality. Usually, a legal person consists of a group of natural persons gathered to accomplish something in common. This group may also include individuals and legal entities. It may also consist of only one element. French law distinguishes between: corporate entities in public law:  the State, local authorities, public establishments, etc. corporate entities in private law : most commonly private companies, civil companies (SC), economic interest groups and associations. Some corporate entities in private law are entrusted with the operation of services of general economic interest. To recap a legal entity is : A legal person is an entity which, although it’s not a natural person, has  rights  and  responsibilities . The legal person can be directly  controlled by naturals persons or by others legals persons , which in turn can always find natural persons. It can be  subject to both public and private law . If it meets the required criteria,  it can proceed to  share capital contribution with Qonto .   How to add a legal entity as a shareholder in Qonto Before depositing your share capital with Qonto, you’ll be asked to define your company shareholders and their  shareholding type  : To file the capital of a company with one or more legal entities as shareholders, you only need to provide : The  date/place of birth  of the physical representative A  copy of the ID of the  physical representative  of each corporate entity. We’ll take care of finding the proof of registration (synthèse INPI définitive, extrait Kbis or extrait INPI) and bylaws, so you don’t need to worry !   💡 Additional documents may be requested outside the registration process for legal entities outside-France
Question: What bylaws should I provide for the capital deposit?

Answer: What are the bylaws? The bylaws contain all the important information about your new company: its corporate name (the name of your company) the legal form the registered office address the amount of share capital the contributions of each partner or shareholder the corporate purpose ( summary of the company's main activities *) the life span of the company 1️⃣ This is a document to provide to the Guichet unique des entreprises when you apply for registration. 💡 To help you, we offer   model of bylaws   to customize to suit your project. You can also ask your accountant, lawyer or formalist to help you redact the document.   2️⃣ This document will also be requested by Qonto when you register your company, and you'll need to drag and drop it into the " Deposit your bylaws " section.     ⚠️ Some important information about your status In order to avoid a refusal by the Guichet unique, your status projects: Must not ❌ Must ✅ Be dated before the date you obtain your certificate of deposit Be perfectly legible (Tip: use PDF format) Because Qonto is a payment institution, not a bank (a credit institution), certificates of deposit are issued and signed by notaries. For this reason, we add  an appendix  at the end of your bylaws. This appendix completes the "Contributions" section of your bylaws by mentioning the notary's office that certifies the capital deposit, in order to register with the Guichet unique. The appendix is automatically added to your bylaws once they have been validated by our teams.   When your deposit certificate is available, we'll send you the complete version of your bylaws (with appendix).   To avoid a refusal when registering with the Guichet unique,  it is important to use the version with the appendix of your bylaws.  This appendix contains essential information about your capital deposit.
Question: How do I make a claim?

Answer:  If you're unhappy with your experience at Qonto, you can easily and quickly make a complaint to our teams, regardless of the reason for your dissatisfaction.    In this case, here is the procedure to follow:    Contact our customer service:  First, please contact our support team by chat. Most of the time, a solution is found by our agents. But if you are still not satisfied with the result of your claim, you can file a complaint by mail.   File a claim online or by mail:  You have two options to send us a complaint:   Online:  You can send us your complaint at  [email protected] . By post:  you must send a registered letter with acknowledgment of receipt (or equivalent) to the following address: Qonto, Service Réclamations, 18 Rue de Navarin, 75009 Paris. ​ File a claim if your a german customer (with a DE IBAN) You have two options to send us a complaint: ​ ​ Online:  You can send us your complaint at  [email protected] By post:  Send a registered letter with acknowledgment of receipt to the following address:  ​ OLINDA Zweigniederlassung Deutschland  Beschwerdemanagement Qonto  Warschauer Platz 11-13  10245 Berlin - Deutschland ​ We'll keep you updated within 24 business hours once your claim has been received.   Your complaint will then be processed by the appropriate department as soon as possible and, at the latest, within 15 working days, except in exceptional cases which will be notified to you in advance (in these situations, the final answer will be sent to you within a maximum of 35 working days).   ☝️  Good to know: as you are acting in a professional capacity, you are not eligible for the mediation procedure.
Question: Are the information shared on Intercom, our customer interaction tool, secured?

Answer: What is Intercom?  Intercom is a tool used by Qonto to communicate with you. Today, all clients can contact us directly through their Qonto web application and ask us any question! 🎉     Our team will take care of you.   Is it secured?  All tools and services used by Qonto follow a verification process to ensure both quality and security. Intercom complies with strict norms to ensure the confidentiality of your account data.    What does it mean concretely?  Main measures in place are the following:  Intercom uses an authentification and access control system that ensures application integrity and continuously monitor and check confidentiality norms, thanks to alerts Security and integrity norms and processes are regularly controlled and certified by external and qualified third parties (SOC2 audit companies) Therefore, Intercom does not access your banking account data. The only data Intercom has access to are those necessary to provide you with a customized and efficient service (name, surname, email). No more personal and account data are shared with Intercom.
Question: I need help, how can I contact the customer support ?

Answer: The answer is not on the FAQ?  Contact us by chat! It’s the most secure and fastest way to get help.   Chat with us directly from this article or from your Qonto interface, by clicking on the bubble in the bottom right corner. 💬   We are available  every day  and will be attending you shortly during our opening hours :   🇫🇷  France  : 24/24h  🇮🇹  Italy  : 8:00am – 8:00pm  🇩🇪  Germany  : 8:00am – 7:00pm  🇪🇸  Spain  : From Monday to Friday 9:00am – 7:00pm / Saturday and Sunday 9:00am – 5:00pm   ☎️ You can request a phone call, just ask our agents on the chat. ​ ​ ​
Question: Is it possible to open a dedicated account on Qonto?

Answer: The dedicated account-which came into force with Law 136 of 2010-is nothing more than a particular  current account , opened at a Banking Institution or at the Italian Post Office-restricted to the management of receipts and disbursements to and from the Public Administration, in order to ensure their  traceability .   The dedicated account is required, by way of example but not limited to, for companies wishing to participate in: Public contracts Major works In addition, the same may also be necessary for enterprises that need to receive funds from: Public Administration (public works, services and supplies) Concessionaires of public funding (including European funding) A dedicated account is for all intents and purposes a special type of current account and, for this reason, cannot be offered by our Institute. Qonto is in fact a Payment Institution and - as such - can only offer "payment accounts" but not "current accounts."
Question: Disambiguation page: credit institutions and payment institutions, bank accounts and business accounts.

Answer: Qonto is a French payment institution, registered in the Registre des agents financiers under license number 16958 and subject to the supervision of the Autorité de Contrôle Prudentiel et de Résolution (ACPR).   What is a payment institution in simple terms?   A Payment Institution is a financial intermediary other than Credit Institutions. The substantial difference is that Payment Institutions cannot provide credit. Payment Institutions can provide payment services associated with a payment account.   Furthermore, Payment Institutions are not allowed to collect deposits from users. The funds received from customers must be deposited with a credit institution, in an account separate from that of the Payment Institution, with the clear indication that they are third party assets. In other words, the sums held in the payment accounts on behalf of each customer cannot be confused with those of the payment institution.   What is the difference between a bank account and a payment account?   As the word itself indicates, only banks can open bank current accounts. The accounts provided by the Payment Institutions are legally referred to as "payment accounts". Unlike bank current accounts, funds set up in a payment account do not accrue interest and are subject to the protection methods described above.   In any case, for the use made of it, any reference to a "bank account" on our site must be understood in the common sense of the term.