Frequently asked questions

Continuous vigilance is the automatic re-verification of the people and companies in your files to detect any status changes: new sanctions, asset freezes, PEP status, insolvency proceedings, etc. In accordance with Article L.561-6 of the French Monetary and Financial Code, regulated professionals must exercise constant vigilance throughout the business relationship. LexOpti automates checks and helps you follow changes in circumstances.

One credit is one file: the client, its beneficial owners and representatives and the other parties, up to 5 people or companies, analysed and under continuous vigilance for 12 months. Beyond 5, each further 5 counts one more credit. Re-running an analysis within those 12 months costs nothing. On its anniversary, the file renews for one credit per tranche, unless you turn its renewal off. Your plan gives you credits for the year; a top-up adds to it when needed and its credits never expire.

They are part of the file: a file counts up to 5 people or companies for one credit. For example, a company with 3 beneficial owners fits in one credit (the company and its 3 BOs); with 5 beneficial owners the file counts 6 people or companies, that is 2 credits. A person or company already counted in another of your running files is not counted again.

Count the files you will follow over the year, new and renewed: one credit per file of up to 5 people or companies. For example, 70 new files and 40 renewals make 110 credits: the Essentiel plan (120 credits a year) is enough. The "Find my plan" estimator does the maths for you. Above 480 credits a year, contact us for a custom plan.

Every plan is billed yearly; the price shown per month is a twelfth of it. All the credits of the year are granted at payment.

You can no longer open new files, but your running files stay under vigilance until their anniversary. A file falling due without a credit is paused for up to 30 days: sanctions, asset freezes and PEPs are still checked, then its vigilance ends. To carry on right away, move to a larger plan or add a top-up to your plan, with no expiry date.

They are not lost: each time your plan renews, your unused credits roll over to the next year, up to one yearly pack. A top-up's never expire: without a running plan they are set aside and usable again as soon as your plan resumes.

Vigilance stops right away: you get no more alerts about this person or company. The file's credit is not refunded. Switching it back on is free while the file runs; after its anniversary, it opens the file again like a new analysis.

Yes, to a larger plan, at any time: you pick the plan, then confirm on Stripe's secure page, which shows the exact amount. You pay the price difference prorated for the time left until your renewal date, which does not change, and receive the credit difference, prorated the same way, as soon as you pay. Your current, rolled-over and top-up credits are kept. A smaller plan takes effect on your renewal date.

Every plan starts with a 14-day free trial with 5 credits, that is 5 files, to analyse your first clients. When the trial ends, choose a plan to carry on: the files opened during the trial then stay under vigilance for 12 months from their opening, otherwise their vigilance ends with the trial. Your data stays available.

Your subscription is yearly. To cancel it, contact us at any time, or use your organization's billing settings: it stops at the end of the current subscription year, and your credits stay usable until then. After that, your workspace becomes read-only and your files' vigilance is paused; your top-up credits are kept. If you take a plan again, the vigilance of the files still within their 12 months resumes free of charge.