{"id":7336,"date":"2021-07-01T09:39:31","date_gmt":"2021-07-01T08:39:31","guid":{"rendered":"http:\/\/beewiseapp.com\/fr\/faq\/"},"modified":"2021-07-01T09:39:31","modified_gmt":"2021-07-01T08:39:31","slug":"faq","status":"publish","type":"page","link":"https:\/\/beewiseapp.com\/fr\/faq","title":{"rendered":"FAQ"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/faq.php","meta":{"_crosspost_to_1":false,"_crosspost_to_2":false,"_crosspost_to_4":false,"_crosspost_to_5":false,"content-type":"","footnotes":""},"class_list":["post-7336","page","type-page","status-publish","hentry"],"acf":{"faq":[{"categoria":"Get started","domande":[{"domanda":"What is Beewise?","risposta":"Beewise is a free investment app that allows you to invest starting from \u20ac10. Through our app you can start investing your monthly savings to achieve your goals."},{"domanda":"Why is Beewise part of the Azimut Group?","risposta":"The Beewise brand was launched by Azimut in 2022. The project was an initiative to make investing easier and more accessible through a new approach. All Beewise portfolios are managed by highly experienced portfolio managers at Azimut's global team. Azimut\u2019s know-how and financial support have been essential to become successful. You can find out more about Azimut's funds <a href=\"https:\/\/www.azimut-group.com\/en\/home\" target=\"_blank\" rel=\"noopener\">here<\/a>."},{"domanda":"What is Azimut?","risposta":"<a href=\"http:\/\/www.azimut-group.com\/en\" target=\"_blank\" rel=\"noopener\">Azimut<\/a> is one of Europe\u2019s largest independent asset managers and the leading one in Italy. The company was founded in Italy in 1989, and has a global outreach with 18 investment and distribution hubs around the world.\r\n\r\nThe Group\u2019s business model is unique and is based on a full integration between portfolio management and distribution. Azimut Group currently has almost 100 Investment Professionals based around the world and a proprietary network of over 2,000 Financial Advisors working exclusively for Azimut."},{"domanda":"Does Azimut act as a withholding agent?","risposta":"Azimut acts as a withholding agent pursuant to article 10 ter of Law 77\/1973 and therefore applies taxation on behalf of the client. This means that you do not have to indicate the income received in the tax return or in the 730."},{"domanda":"Where can I download the Beewise app?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can download the app in the App Store or Google Play Store.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can download the app in the App Store or Google Play Store.<\/span>"},{"domanda":"Where can I read the contracts before signing them?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;During step 3 of the onboarding process, you can review onboarding documents. These documents include the Information Brochure and the onboarding package. First, you have to review the Information Brochure by clicking on it and then you can proceed with reading the onboarding package. Once you have gone through all pre-contract documents, you will have to confirm you have read them and sign the contract with the verification code received by email.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">During step 3 of the onboarding process, you can review onboarding documents. These documents include the Information Brochure and the onboarding package. First, you have to review the Information Brochure by clicking on it and then you can proceed with reading the onboarding package. Once you have gone through all pre-contract documents, you will have to confirm you have read them and sign the contract with the verification code received by text message.<\/span>"},{"domanda":"Which payment methods can I use in the Beewise app?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can connect your bank account or Satispay to make investments in the Beewise app. If you decide to use Satispay as a payment method in the Beewise app, a transaction fee equal to 1% of each payment will be retained.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">You can connect your bank account or Satispay to make investments in the Beewise app. If you decide to use Satispay as a payment method in the Beewise app, a transaction fee equal to 1% of each payment will be retained.<\/span>"},{"domanda":"Which banks can I connect to Beewise?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beewise allows you to connect to most European banks. You can find all banks supported by Beewise here. If you cannot find your bank on the list, please contact our customer support at support@beewiseapp.com\/fr so we can try to help you further.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1053569,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:98,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:102}\uee10{&quot;1&quot;:185,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:207}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:98,&quot;2&quot;:&quot;https:\/\/www.saltedge.com\/products\/account_information\/coverage&quot;}\uee10{&quot;1&quot;:102}\uee10{&quot;1&quot;:185,&quot;2&quot;:&quot;mailto:support@beewiseapp.com\/fr&quot;}\uee10{&quot;1&quot;:207}\">Beewise allows you to connect to most European banks. You can find all banks supported by Beewise <a class=\"in-cell-link\" href=\"https:\/\/www.saltedge.com\/products\/account_information\/coverage\" target=\"_blank\" rel=\"noopener\">here<\/a>. If you cannot find your bank on the list, please contact our customer support at <a class=\"in-cell-link\" href=\"mailto:support@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">support@beewiseapp.com\/fr<\/a> so we can try to help you further.<\/span>"},{"domanda":"Can I connect my Paypal account to invest with Beewise?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately, it is not possible to link a PayPal to the Beewise app. You can find an overview of all banks that can be used to invest with Beewise through the following link.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1315713,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}}}\uee10{&quot;1&quot;:170}\uee10{&quot;1&quot;:171,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:175}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:171,&quot;2&quot;:&quot;https:\/\/www.saltedge.com\/products\/account_information\/coverage&quot;}\uee10{&quot;1&quot;:175}\">Unfortunately, it is not possible to link a PayPal to the Beewise app. You can find an overview of all banks that can be used to invest with Beewise through the following <a class=\"in-cell-link\" href=\"https:\/\/www.saltedge.com\/products\/account_information\/coverage\" target=\"_blank\" rel=\"noopener\">link<\/a>.<\/span>"},{"domanda":"How do I connect my bank account to the app?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;During the onboarding process, you will need to select your bank. You will then need to fill in the required information and give us consent to access the necessary information to link your bank account to the app. Once all your information has been verified, your bank should connect to the app and you can start funding your goals.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">During the onboarding process, you will need to select your bank. You will then need to fill in the required information and give us consent to access the necessary information to link your bank account to the app. Once all your information has been verified, your bank should connect to the app and you can start funding your goals.<\/span>"},{"domanda":"Do I have to connect my bank account during the onboarding process?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Our onboarding process exists out of 5 steps. After the first step you can already start exploring the app. However, if you want to complete the onboarding process to start investing you will have to connect your bank account eventually in step 4 of the onboarding process.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">Our onboarding process exists out of 5 steps. After the first step, you can already start exploring the app. However, if you want to complete the onboarding process to start investing you will have to connect your bank account eventually in step 4 of the onboarding process.<\/span>"},{"domanda":"How do I log into Beewise?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Simply use your 6-digit PIN, fingerprint or face ID. In case you have not logged in within the previous 30 days you will have to provide your email address and password too.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:27,&quot;2&quot;:{}}\uee10{&quot;1&quot;:51}\">Simply use your 6-digit PIN, fingerprint or face ID. In case you have not logged in within the previous 30 days you will have to provide your email address and password too.<\/span>"},{"domanda":"Do I need any experience to start investing?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beewise has been created with the purpose of making investing easier and more accessible to those who do not know much about investing yet. This means that beginners can start investing through the Beewise app without having a background in investing. You can count on the Azimut global team who manages the portfolios to make sure your funds are in good hands. Beewise regularly writes blogs on many different topics, including financial educational topics. This is a great source for beginners to start learning more about investing. If you are interested in finding out more you can check out our blogs &lt;a href=\\&quot;https:\/\/beewiseapp.com\/fr\/en\/magazine\/\\&quot;&gt;here&lt;\/a&gt;.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1317761,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:615,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;9&quot;:0}}\uee10{&quot;1&quot;:650}\">Beewise has been created with the purpose of making investing easier and more accessible to those who do not know much about investing yet. This means that beginners can start investing through the Beewise app without having a background in investing. You can count on the Azimut global team who manages the portfolios to make sure your funds are in good hands. Beewise regularly writes blogs on many different topics, including financial educational topics. This is a great source for beginners to start learning more about investing. If you are interested in finding out more you can check out our <a href=\"https:\/\/beewiseapp.com\/fr\/en\/magazine\" target=\"_blank\" rel=\"noopener\">blogs<\/a>.<\/span>"},{"domanda":"Is there an entry or exit fee?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;No. We do not have any entry or exit fees on the Beewise app. However, it is possible to enable an optional 1% entry fee for each investment, which will be entirely donated to our partner WeForest to support their reforestation projects. You can activate and deactivate these donations at any time and for any of your goals.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1317761,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial, sans-serif&quot;,&quot;21&quot;:0,&quot;23&quot;:1}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:208,&quot;2&quot;:{&quot;2&quot;:{&quot;1&quot;:2,&quot;2&quot;:1136076},&quot;9&quot;:1}}\uee10{&quot;1&quot;:236}\" data-sheets-hyperlinkruns=\"{&quot;1&quot;:208,&quot;2&quot;:&quot;https:\/\/www.weforest.org\/project\/tieteforests&quot;}\uee10{&quot;1&quot;:236}\">No. We do not have any entry or exit fees on the Beewise app. However, it is possible to enable an optional 1% entry fee for each investment, which will be entirely donated to our partner WeForest to support <a class=\"in-cell-link\" href=\"https:\/\/www.weforest.org\/project\/tieteforests\" target=\"_blank\" rel=\"noopener\">their reforestation projects<\/a>. You can activate and deactivate these donations at any time and for any of your goals.<\/span>"},{"domanda":"What are the costs?","risposta":"You can find all costs in our KIID, which can be found for each of our portfolios on our website:\r\n<ul>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/smart-cities\/\">Smart Cities portfolio<\/a><\/li>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/breakthrough-healthcare\/\">Breakthrough Healthcare portfolio<\/a><\/li>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/environment\/\">Environment portfolio<\/a><\/li>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/technology\/\">Technology portfolio<\/a><\/li>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/cash-plus\/\">Cash Plus portfolio<\/a><\/li>\r\n \t<li><a href=\"https:\/\/beewiseapp.com\/fr\/en\/portfolio\/new-generations\/\">Future Generations portfolio<\/a><\/li>\r\n<\/ul>\r\nIf you decide to use Satispay as your payment method in the Beewise app, you will be subject to a 1% transaction cost.\r\n\r\n&nbsp;"}]},{"categoria":"My account","domande":[{"domanda":"What do I need to do to create an account?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To create an account on Beewise you will have to go through &lt;b&gt;3 steps&lt;\/b&gt;:\\n\\n&lt;ul&gt;&lt;li&gt;&lt;b&gt;Share your personal information&lt;\/b&gt; - Your phone number and email so we can set up your account securely.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Verify your ID&lt;\/b&gt; - A picture of your passport or national ID card to verify your identity.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Share your tax information&lt;\/b&gt; - Your national tax ID and country of residence.&lt;\/li&gt;&lt;\/ul&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">To create an account on Beewise you will have to go through <strong>3 steps<\/strong>:<\/span>\r\n\r\n<strong>1. Personal information<\/strong> - <span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To create an account on Beewise you will have to go through &lt;b&gt;3 steps&lt;\/b&gt;:\\n\\n&lt;ul&gt;&lt;li&gt;&lt;b&gt;Personal information&lt;\/b&gt; - Enter your email and phone number to create your credentials.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Verify your identity&lt;\/b&gt; - You\u2019ll need a valid government issued document like a passport or ID card.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Tax information&lt;\/b&gt; - You\u2019ll need to enter your tax ID and residential address.&lt;\/li&gt;&lt;\/ul&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Enter your email and mobile number to create your credentials.<\/span>\r\n\r\n<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To create an account on Beewise you will have to go through &lt;b&gt;3 steps&lt;\/b&gt;:\\n\\n&lt;ul&gt;&lt;li&gt;&lt;b&gt;Share your personal information&lt;\/b&gt; - Your phone number and email so we can set up your account securely.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Verify your ID&lt;\/b&gt; - A picture of your passport or national ID card to verify your identity.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Share your tax information&lt;\/b&gt; - Your national tax ID and country of residence.&lt;\/li&gt;&lt;\/ul&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\"><strong>2. Verify your identity<\/strong> - You\u2019ll need a valid government issued document like a passport or ID card.<\/span>\r\n\r\n<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To create an account on Beewise you will have to go through &lt;b&gt;3 steps&lt;\/b&gt;:\\n\\n&lt;ul&gt;&lt;li&gt;&lt;b&gt;Share your personal information&lt;\/b&gt; - Your phone number and email so we can set up your account securely.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Verify your ID&lt;\/b&gt; - A picture of your passport or national ID card to verify your identity.&lt;\/li&gt;&lt;li&gt;&lt;b&gt;Share your tax information&lt;\/b&gt; - Your national tax ID and country of residence.&lt;\/li&gt;&lt;\/ul&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\"><strong>3. Tax information<\/strong> - You\u2019ll need to enter your tax ID and residential address.<\/span>"},{"domanda":"How long does it take to access your account once onboarding is completed?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The onboarding process exists out of &lt;b&gt;5 steps&lt;\/b&gt;. These steps include creating your account, answering a few questions to discover your investor profile, setting up your goals, linking your bank account, and finally funding your goal. \\n\\nFilling in the 5 onboarding steps should on average take around &lt;b&gt;15 minutes&lt;\/b&gt;. However, keep in mind that after the linking your bank account step, we will have to verify all the given information. Usually, this will be verified in direct time and will be done in a matter of seconds. However, if some of the information you filled in is iflagged or needs further verification, the process may take longer.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">The onboarding process exists out of <strong>5 steps<\/strong>. These steps include creating your account, answering a few questions to discover your investor profile, setting up your goals, linking your bank account, and finally funding your goal.<\/span>\r\n\r\nFilling in the 5 onboarding steps should on average take around <strong>15 minutes<\/strong>. However, keep in mind that after the linking your bank account step, we will have to verify all the given information. Usually, this will be verified in direct time and will be done in a matter of seconds. However, if some of the information you filled in is flagged or needs further verification, the process may take longer."},{"domanda":"Is it possible to modify any information during the onboarding process?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;During the onboarding process it is not possible to change certain sections. However, once you are onboarded you can change your information.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">During the onboarding process, it is not possible to change certain sections. However, once you are onboarded you can change your information.<\/span>"},{"domanda":"Why do we need all this information?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;We need all the necessary information to be filled in during the onboarding process to be compliant and provide you with the best service.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">We need all the necessary information to be filled in during the onboarding process to be compliant and provide you with the best service.<\/span>"},{"domanda":"How can I create a PIN and why is it important?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;When you start creating your account, you will be asked to create a PIN to secure your account. You can simply create your PIN by entering 6 numbers of preference. For those who prefer using a face scan over a password, we offer that as a second option too, but you do still need to create a PIN in case the face scan doesn't work.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">When you start creating your account, you will be asked to create a PIN to secure your account. You can simply create your PIN by entering 6 numbers of preference. <\/span>\r\n\r\n<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;When you start creating your account, you will be asked to create a PIN to secure your account. You can simply create your PIN by entering 6 numbers of preference. For those who prefer using a face scan over a password, we offer that as a second option too, but you do still need to create a PIN in case the face scan doesn't work.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">For those who prefer using a face scan over a password, we offer that as a second option too, but you do still need to create a PIN in case the face scan doesn't work.<\/span>"},{"domanda":"What do I do if I haven\u2019t received a verification code?","risposta":"If you have not received a verification code by SMS or email you can request to receive a new verification code. If you still do not receive your verification code, please contact us at <a href=\"mailto:support@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">support@beewiseapp.com\/fr<\/a>."},{"domanda":"How do I activate my biometric ID?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;During your account creation, after you have created your PIN, you will see a pop-up screen suggesting to enable the Biometric ID function. You can also enable it later in your Profile Dashboard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">During your account creation, after you have created your PIN, you will see a pop-up screen suggesting to enable the Biometric ID function. You can also enable it later in your Profile Dashboard.<\/span>"},{"domanda":"Which documents can I use to verify my identity?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can verify your identity through your passport or national identity card.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">You can verify your identity through your passport or national identity card.<\/span>"},{"domanda":"What do I do if my identity verification fails?","risposta":"If your identity verification failed, please try again. The failure could have been caused by a glare on your identity document or due to the low quality of the picture. If your second trail fails again, please contact our customer support at <a href=\"mailto:customerservice@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">customerservice@beewiseapp.com\/fr <\/a>and we will be more than happy to help you."},{"domanda":"I\u2019ve forgotten my PIN, what do I do?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to the &lt;i&gt; Did you forgot your PIN?&lt;\/i&gt; button, and provide your email address and password. This will allow you to enter your new PIN so you can proceed to the dashboard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Go to the \"Did you forget your PIN?\" button, and provide your email address and password. This will allow you to enter your new PIN so you can proceed to the dashboard.<\/span>"},{"domanda":"I\u2019ve forgotten my password, what do I do?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to the\u200b&lt;i&gt;Did you forget your password?\u200b&lt;\/i&gt; button. Next, click on send code, go to your email inbox to find the verification code, and fill it in on the app as requested. You will then be able to choose your new password, which will be updated immediately. Once this process has been completed you can proceed to the dashboard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Go to the\u200b \"Did you forget your password?\"\u200b button. Next, click on send code, go to your email inbox to find the verification code, and fill it in on the app as requested. You will then be able to choose your new password, which will be updated immediately. Once this process has been completed you can proceed to the dashboard.<\/span>"},{"domanda":"I\u2019ve forgotten my email to log in, what do I do?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to the\u200b&lt;i&gt;Did you forget your email?\u200b&lt;\/i&gt; button and fill in your PIN. This will lead you to a partial preview of your email address, so you can then fill in your correct email address and password to log into your Beewise account.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Go to the\u200b \"Did you forget your email?\"\u200b button and fill in your PIN. This will lead you to a partial preview of your email address, so you can then fill in your correct email address and password to log into your Beewise account.<\/span>"},{"domanda":"What is the difference between the PIN and password?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Your &lt;b&gt;PIN&lt;\/b&gt; is a 6-digit number that you will choose to access the Beewise app and authorize activities like payments. Your &lt;b&gt;password&lt;\/b&gt; will exist out of a minimum of 8 characters. You will only need to use your password to log into your Beewise account after more than 30 days of inactivity, or if you forgot your PIN.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Your <strong>PIN<\/strong> is a 6-digit number that you will choose to access the Beewise app and authorize activities like payments. Your <strong>password<\/strong> will exist out of a minimum of 8 characters. You will only need to use your password to log into your Beewise account after more than 30 days of inactivity, or if you forgot your PIN.<\/span>"},{"domanda":"How do I delete my account?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To delete your account, you can go to your Profile Dashboard and click on the three buttons at the right top. There you can withdraw all your funds and eventually delete your account. You will then receive a confirmation email once the delete my account request is completed.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">To delete your account, you can go to your Profile Dashboard and click on the three buttons at the right top. There you can withdraw all your funds and eventually delete your account. You will then receive a confirmation email once the delete my account request is completed.<\/span>"},{"domanda":"How can I change my mobile number?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to your Profile Dashboard &gt; personal information &gt; contact information. First you will have to fill in your PIN. Then you will be able to fill in your new mobile number and can confirm it by entering the verification code you have received via text message. Your information will then be updated immediately.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">Go to your Profile Dashboard &gt; personal information &gt; contact information. First you will have to fill in your PIN. Then you will be able to fill in your new mobile number and can confirm it by entering the verification code you have received via text message. Your information will then be updated immediately.<\/span>"},{"domanda":"How can I change my email?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to your Profile Dashboard &gt; personal details &gt; contact information. Here you can change your email address. This new information will first need to be confirmed with your PIN, and then you will receive a verification code through email. Once this verification code has been entered, your new information will be updated.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">Go to your Profile Dashboard &gt; personal details &gt; contact information. Here you can change your email address. This new information will first need to be confirmed with your PIN, and then you will receive a verification code through email. Once this verification code has been entered, your new information will be updated.<\/span>"},{"domanda":"How can I change my address or personal information?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can change your address or personal information in your Profile Dashboard in the &lt;i&gt;personal details&lt;\/i&gt; section.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can change your address or personal information in your Profile Dashboard in the <em>personal details<\/em> section.<\/span>"},{"domanda":"Can I disconnect my bank account?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can disconnect your bank account in the Profile Dashboard but this will have a big impact. You will first have to stop all your investments on the Beewise app and withdraw your funds. Only then you can disconnect your bank account. If you still want to continue your investments we rather recommend changing your bank account connected to the Beewise app.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">You can disconnect your bank account in the Profile Dashboard but this will have a big impact. You will first have to stop all your investments on the Beewise app and withdraw your funds. Only then you can disconnect your bank account. If you still want to continue your investments we rather recommend changing your bank account connected to the Beewise app.<\/span>"},{"domanda":"Where can I find my transaction history, tax reports, annual reports or agreements?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;In case you need your transaction history, tax reports, annual reports or agreements, you can find them in your Profile Dashboard in the &lt;i&gt;Investment documents&lt;\/i&gt; section.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">In case you need your transaction history, tax reports, annual reports or agreements, you can find them in your Profile Dashboard in the \"Investment documents\" section.<\/span>"},{"domanda":"How can I change the Beewise app language?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can change the language in the Beewise app by going to your Profile Dashboard where you will find the &lt;i&gt;settings&lt;\/i&gt; section. There you will be able to change the language as preferred to English or Italian.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can change the language in the Beewise app by going to your Profile Dashboard where you will find the settings section. There you will be able to change the language as preferred to English or Italian.<\/span>"},{"domanda":"How can I change my notification settings?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can change your notification settings in your Profile Dashboard. When going to the &lt;i&gt;settings&lt;\/i&gt; section, you will be able to turn off authorization requests and smart tips.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can change your notification settings in your Profile Dashboard. When going to the <em>settings<\/em> section, you will be able to turn off authorization requests and smart tips.<\/span>"},{"domanda":"How can I request to delete my personal information?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If you would like us to delete your personal information, you simply will have to withdraw your investments on the Beewise app (if you have any) and request to delete your account by going to your Profile Dashboard, clicking on the three dots on the top right side of your screen (next to your name), and clicking on 'Delete account'. If you have any further doubts, you can always contact us at customerservice@beewiseapp.com\/fr&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">If you would like us to delete your personal information, you simply will have to withdraw your investments on the Beewise app (if you have any) and request to delete your account by going to your Profile Dashboard, clicking on the three dots on the top right side of your screen (next to your name), and clicking on 'Delete account'. If you have any further doubts, you can always contact us at <a href=\"customerservice@beewiseapp.com\/fr\">customerservice@beewiseapp.com\/fr<\/a><\/span>"}]},{"categoria":"Investing, saving and donating","domande":[{"domanda":"How can I change the bank account I use for investing?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;It is recommended to not change too often your bank account as this may be considered suspicious activity. However, if you do need to do it you can change your bank account by going to Profile \u2192 Account \u2192 Bank Account \u2192 Manage account --&gt; Change bank account.\\n\\nOnce you have connected your new bank account to the Beewise app you will have to fill in your PIN, and click on the authorize button. As requests are reviewed and approved manually, it is important to note that you will not be able to transact in the period between switching bank accounts. Once your bank account information has been updated you can continue your usual activities.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">It is recommended to not change too often your bank account as this may be considered suspicious activity. However, if you do need to do it you can change your bank account by going to Profile &gt;\u00a0Bank Account &gt; Manage account &gt; Change bank account.<\/span>\r\n\r\nOnce you have connected your new bank account to the Beewise app you will have to fill in your PIN, and click on the authorize button. As requests are reviewed and approved manually, it is important to note that you will not be able to transact in the period between switching bank accounts. Once your bank account information has been updated you can continue your usual activities."},{"domanda":"Who can invest with Beewise?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;At the moment only Italian residents, older than 18 years, can invest with Beewise. However, we are planning on expanding to more countries soon.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4481,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">At the moment only Italian residents, older than 18 years, can invest with Beewise. However, we are planning on expanding to more countries soon.<\/span>"},{"domanda":"Can existing Azimut clients invest with Beewise?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Existing Azimut clients cannot currently invest with Beewise. If you are already a client of the Azimut family, please contact your financial advisor for more information if needed.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Existing Azimut clients cannot currently invest with Beewise. If you are already a client of the Azimut family, please contact your financial advisor for more information if needed.<\/span>"},{"domanda":"Why can existing Azimut clients not invest with Beewise?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;We are currently working on a solution that allows current clients to invest on the Beewise application as well. You can send an email to customer support to stay up to date with any future changes.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">We are currently working on a solution that allows current clients to invest on the Beewise application as well. You can send an email to customer support to stay up to date with any future changes.<\/span>"},{"domanda":"Can US citizens invest with Beewise?","risposta":"<p class=\"p1\">Only US citizens who are not eligible for taxes in the United States can currently invest with Beewise.<\/p>"},{"domanda":"Can I invest with Beewise if I have other citizenships?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You will have to declare your additional citizenship when you are filling in your personal information during your account creation. We will then ask for more details such as your additional citizenship country and tax ID.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Yes, you will have to declare your additional citizenship when you are filling in your personal information during your account creation. We will then ask for more details such as your additional citizenship country and tax ID.<\/span>"},{"domanda":"Where can I find my goals?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to the Investments Dashboard to find all your goals created so far.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:6528,&quot;10&quot;:0,&quot;11&quot;:4,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Go to the Investments Dashboard to find all your goals created so far.<\/span>"},{"domanda":"How to set up a goal?","risposta":"Go to \"Investments\", where you can create a goal. Here, you can set:\r\n<ul>\r\n \t<li>Your goal name<\/li>\r\n \t<li><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to Investments, where you can create a goal. Here, you can set:\\n&lt;ul&gt;&lt;li&gt;Your goal name&lt;\/li&gt;&lt;li&gt;Your image&lt;\/li&gt;&lt;li&gt;Your target balance&lt;\/li&gt;&lt;li&gt;Your timeline to achieve the goal&lt;\/li&gt;&lt;\/ul&gt;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:98,&quot;2&quot;:{}}\uee10{&quot;1&quot;:108}\">Your image<\/span><\/li>\r\n \t<li>Your target balance<\/li>\r\n \t<li>Your timeline to achieve the goal<\/li>\r\n<\/ul>"},{"domanda":"How can I add funds to a goal?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can add funds to a goal either through the activity or investments dashboard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">You can add funds to a goal either through the activity or investments dashboard.<\/span>"},{"domanda":"Can I connect a goal to several portfolios?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately, you cannot connect a goal to several portfolios. If you do want to invest in several portfolios, you will have to create a new goal for each portfolio. What you can do, however, is connect several goals to the same portfolio.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Unfortunately, you cannot connect a goal to several portfolios. If you do want to invest in several portfolios, you will have to create a new goal for each portfolio. What you can do, however, is connect several goals to the same portfolio.<\/span>"},{"domanda":"How many goals can I create?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;There is no limit to the number of goals you can create.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">There is no limit to the number of goals you can create.<\/span>"},{"domanda":"How can I change the timeline of a goal?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to the investment details section on your goal and click on &lt;i&gt;When do you want to reach it?&lt;i&gt;. Here you can adapt the year you want to achieve your goal by scrolling up or down.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:10,&quot;2&quot;:{}}\uee10{&quot;1&quot;:28}\">Go to the details section on your goal and click on \"When do you want to reach it?\". Here you can adapt the year you want to achieve your goal by scrolling up or down.<\/span>"},{"domanda":"What happens when I reach a goal?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Congratulations! You did a great job. When you reach a goal, it is ultimately up to you if you eventually want to continue investing or want to withdraw your funds.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Congratulations! You did a great job. When you reach a goal, it is ultimately up to you if you eventually want to continue investing or want to withdraw your funds.<\/span>"},{"domanda":"Can I change my goal at any point?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Yes. Go to the details section on your goal and click on the three dots at the right top. Here you can choose to rename your goal name and associate an image to it. You can also change your target balance or timeline below if needed.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Yes. Go to the details section on your goal and click on the three dots at the right top. Here you can choose to rename your goal name and associate an image to it. You can also change your target balance or timeline below if needed.<\/span>"},{"domanda":"How do I delete my goal?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Go to your goal, find the three dots at the right top, and click on delete goal. You will then have to confirm that you want to withdraw all your funds from that goal. Your funds will be transferred to your linked bank account within 5 business days.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">Go to the details section on your goal, find the three dots at the right top, and click on delete goal. You will then have to confirm that you want to withdraw all your funds from that goal. Your funds will be transferred to your linked bank account within 5 business days.<\/span>"},{"domanda":"How does investing with Beewise work?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;When you want to start investing on Beewise, you will first need to create a goal that you want to achieve within a certain amount of time. This goal will then have to be connected to one of our portfolios.\\n \\nIn total, you can choose between 6 diversified thematic portfolios: Environment, Technology, Breakthrough Healthcare, Smart Cities, Cash Plus, and Future Generations. These portfolios each have three different fund profiles (conservative, balanced and aggresive), with the exception of the Cash Plus portfolio that has 3 conservative fund profiles. Once you have chosen which portfolio to connect to your goal, you can add funds to that goal and start investing. You can from then onwards decide whenever you want to add more funds or withdraw your funds from that goal.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">When you want to start investing on Beewise, you will first need to create a goal that you want to achieve within a certain amount of time. This goal will then have to be connected to one of our portfolios.<\/span>\r\n\r\nIn total, you can choose between 6 diversified thematic portfolios: Environment, Technology, Breakthrough Healthcare, Smart Cities, Cash Plus, and Future Generations. These portfolios each have three different fund profiles (conservative, balanced and aggresive), with the exception of the Cash Plus portfolio that has 3 conservative fund profiles. Once you have chosen which portfolio to connect to your goal, you can add funds to that goal and start investing. You can from then onwards decide whenever you want to add more funds or withdraw your funds from that goal."},{"domanda":"What is the minimum amount needed to start investing on Beewise?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can start investing with as little as \u20ac10.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can start investing with as little as \u20ac10.<\/span>"},{"domanda":"Where can I see how much I should invest to reach my goal?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;When you create a goal, you have to decide what your target balance is and within which timeline you want to achieve it. Each time you add funds to your goal, you can choose the amount you want to invest. To help you stay on track to reach your goal, you can also see how much you should ideally invest each month.\\n\\nDisclaimer: The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">When you create a goal, you have to decide what your target balance is and within which timeline you want to achieve it. Each time you add funds to your goal, you can choose the amount you want to invest. To help you stay on track to reach your goal, you can also see how much you should ideally invest each month.<\/span>\r\n<h6>Disclaimer: The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.<\/h6>"},{"domanda":"Is there an overview of all my investments and profits?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Yes. You can find the overview of your spendings in the Savings Dashboard, the overview of your investments in the activity Dashboard, and the overview of your profits and smart tips in the Home Dashboard. In case you would like to see the performance of a specific goal, this will be visible in the Investments Dashboard.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri, Arial&quot;}\">Yes. You can find the overview of your investments in the Activity Dashboard, and the overview of your profits and smart tips in the Home Dashboard. In case you would like to see the performance of a specific goal, this will be visible in the Investments Dashboard.<\/span>"},{"domanda":"How can I see an overview of my spendings?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can see an overview of your spendings in the Spending Dashboard. There you can find detailed information such as your weekly and monthly spendings, your budgets, transactions and spendings for each spending category. You can search for specific transactions in the search bar or can use filters to find what you are looking for.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can see an overview of your spendings in the Spending Dashboard. There you can find detailed information such as your weekly and monthly spendings, your budgets, transactions and spendings for each spending category. You can search for specific transactions in the search bar or can use filters to find what you are looking for.<\/span>"},{"domanda":"How do I interpret the performance and projections graphs?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;On the performance graph you can see how your investment has performed since the first day you started investing, together with your total investment and profits earned at the top. On the projections* graph you can see how your investments are expected to perform in the future.&lt;br&gt;\\n\\n* The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri, Arial&quot;}\" data-sheets-textstyleruns=\"{&quot;1&quot;:0}\uee10{&quot;1&quot;:284,&quot;2&quot;:{&quot;5&quot;:1}}\">On the performance graph you can see how your investment has performed since the first day you started investing, together with your total investment and profits earned at the top. On the projections* graph you can see how your investments are expected to perform in the future.<\/span>\r\n<h6>* The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.<\/h6>"},{"domanda":"Where can I see projections for my investment?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;To see potential projections* for your investments, you have to go to your Investments Dashboard where you can click on the specific goal you are interested in seeing the potential projections for. You will then see at the top of your screen the &lt;i&gt;projections&lt;\/i&gt; section.&lt;br&gt;\\n\\n* The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">To see potential projections* for your investments, you have to go to your Investments Dashboard where you can click on the specific goal you are interested in seeing the potential projections for. You will then see at the top of your screen the <em>projections<\/em> section.\r\n<\/span>\r\n<h6>* The estimated value is not guaranteed, it could be susceptible to variations. Such projections do not constitute a reliable indicator of future results.<\/h6>"},{"domanda":"Can I make monthly investments?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&lt;p&gt;Yes, if you turn on your monthly investment reminder, you will receive a reminder each month. Keep in mind, this is just a reminder, so you will still need to approve the payment manually each time.&lt;\/p&gt;\\n\\nIn case you are paying with Satispay in the Beewise app, you have the option to set up an automatic monthly payment without having to give your approval each time again.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">Yes, if you turn on your monthly investment reminder, you will receive a reminder each month. Keep in mind, this is just a reminder, so you will still need to approve the payment manually each time.<\/span>\r\n\r\nIn case you are paying with Satispay in the Beewise app, you have the option to set up an automatic monthly payment without having to give your approval each time again."},{"domanda":"How can I activate monthly investment reminders?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can activate monthly investment reminders by going to the Activity Dashboard. There you will see the &lt;i&gt;monthly investment reminders&lt;\/i&gt; section where you can find all the goals you created. You can then choose for which specific goals you want to activate a monthly investment reminder.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4481,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">You can activate monthly investment reminders by going to the Activity Dashboard. There you will see the \"monthly investment reminders\" section where you can find all the goals you created. You can then choose for which specific goals you want to activate a monthly investment reminder.<\/span>"},{"domanda":"Can I stop investing at any point?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot; Yes. You can stop investing at any point. However, we do not recommend disinvesting too soon, as investing for only a short amount of time might not give you as great results with regards to profit compared to long run investments.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\"> Yes. You can stop investing at any point. However, we do not recommend disinvesting too soon, as investing for only a short amount of time might not give you as great results with regards to profit compared to long run investments.<\/span>"},{"domanda":"How do I disinvest and withdraw my profits?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can disinvest by going to the Activity dashboard. At the top you can click on the withdraw button and choose for which goal you want to withdraw your profits. You can then choose which amount you want to withdraw, and confirm your withdrawal with your PIN. This amount will automatically be transferred to your bank account on within 5 business days. If you choose to withdraw more than 90%, we automatically withdraw the full 100% of your portfolio due to NAV calculations.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can disinvest by going to the Activity dashboard. At the top, you can click on the withdraw button and choose for which goal you want to withdraw your profits. You can then choose which amount you want to withdraw, and confirm your withdrawal with your PIN. This amount will automatically be transferred to your bank account within 5 business days. If you choose to withdraw more than 90%, we automatically withdraw the full 100% of your portfolio due to NAV calculations.<\/span>"},{"domanda":"How long does it take for withdrawals to reach my bank account?","risposta":"When a user decides to withdraw profits from the Beewise app it usually takes 5 business days. If you are experiencing any troubles and have been waiting for a longer time than expected please contact <a href=\"mailto:customerservice@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">customerservice@beewiseapp.com\/fr<\/a>."},{"domanda":"Which portfolios can I invest in?","risposta":"The Beewise app has 6 diversified thematic portfolios that app users can invest in, namely:\r\n<ul>\r\n \t<li><strong>Technology<\/strong><\/li>\r\n \t<li><strong>Breakthrough Healthcare<\/strong><\/li>\r\n \t<li><strong>Environment<\/strong><\/li>\r\n \t<li><strong>Smart Cities<\/strong><\/li>\r\n \t<li><strong>Cash Plus<\/strong><\/li>\r\n \t<li><strong>Future Generations<\/strong><\/li>\r\n<\/ul>\r\n<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The Beewise app has 5 diversified thematic portfolios that app users can invest in, namely:\\n\\n&lt;ul&gt;&lt;li&gt;Technology&lt;\/li&gt;&lt;li&gt;Breakthrough Healthcare&lt;\/li&gt;&lt;li&gt;Environment&lt;\/li&gt;&lt;li&gt;Smart Cities&lt;\/li&gt;&lt;li&gt;Future Generations&lt;\/li&gt;&lt;\/ul&gt;\\n\\nEach thematic portfolio has three different fund profiles: &lt;b&gt;Conservative, Balanced e Aggressive&lt;\/b&gt;. Depending on the information filled in during the onboarding, we assess what the most suitable investor profile is for you. This allows us to recommend certain fund profiles to help you make the best investment decision.\\n&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">These portfolios each have three different fund profiles (conservative, balanced, and aggressive), with the exception of the Cash Plus portfolio which has 3 conservative fund profiles. Depending on the information filled in during the onboarding, we assess what the most suitable investor profile is for you. This allows us to recommend certain fund profiles to help you make the best investment decision.<\/span>"},{"domanda":"Where can I find more detailed information about the Beewise portfolios?","risposta":"In the Beewise app, you can find under each portfolio a short description of what the portfolio invests in. You can also find more detailed information about the Beewise portfolios in the prospectus and the KIID on the app or on our website in the portfolios section. If you still have questions after this you can contact us at <a href=\"mailto:support@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">support@beewiseapp.com\/fr<\/a>\u00a0and we will be more than happy to answer your questions."},{"domanda":"How are the Beewise portfolios managed?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;All Beewise portfolios are managed by the Azimut global team. This is a highly knowledgeable and experienced team that manages all portfolios to their best ability.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">All Beewise portfolios are managed by the Azimut global team. This is a highly knowledgeable and experienced team that manages all portfolios to their best ability.<\/span>"},{"domanda":"What is the past performance of Beewise portfolios based on?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The past performance of Beewise portfolios is based on the daily net asset value (NAV). In simple terms, this means that we use the daily price of our portfolios to create a timeline of the past performance of our portfolios over time. The past performance of your personal investment is created with the same methodology but takes into account your investment transactions.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">The past performance of Beewise portfolios is based on the daily net asset value (NAV). In simple terms, this means that we use the daily price of our portfolios to create a timeline of the past performance of our portfolios over time. The past performance of your personal investment is created with the same methodology but takes into account your investment transactions.<\/span>"},{"domanda":"How do I know which fund profile is suitable for me?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;When you sign up for the app, we ask you to answer a few simple questions about your financial situation, knowledge, and previous investment experience. Based on your answers, we assess what the most suitable investor profile is for you. This allows us to recommend certain fund profiles to help you make the best investment decision.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">When you sign up for the app, we ask you to answer a few simple questions about your financial situation, knowledge, and previous investment experience. Based on your answers, we assess what the most suitable investor profile is for you. This allows us to recommend certain fund profiles to help you make the best investment decision.<\/span>"},{"domanda":"Why did a warning message pop up when I tried investing in a portfolio?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Usually, a warning message will pop up when you try investing in a portfolio that has a higher fund profile than recommended. This does not mean that you cannot invest in a higher fund profile but we do want you to be aware that you are consciously deciding to increase your fund profile beyond what is recommended to you.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">Usually, a warning message will pop up when you try investing in a portfolio that has a higher fund profile than recommended. This does not mean that you cannot invest in a higher fund profile but we do want you to be aware that you are consciously deciding to increase your fund profile beyond what is recommended to you.<\/span>"},{"domanda":"How do I donate a percentage of my investments to WeForest?","risposta":"For each investment, you can decide to donate 1% of your investments. These donations go to WeForest to support their reforestation projects. You can donate by going to \"Donations\" in your Profile Dashboard and activating donations for any of your goals."},{"domanda":"What is WeForest?","risposta":"WeForest is an international NGO dedicated to planet reforestation in the tropics."},{"domanda":"Why did we partner up with WeForest?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;While WeForest is primarily dedicated to reforestation, we were very intrigued by the fact that they also contribute to the achievement of all of the UN\u2019s Sustainable Development Goals (SDGs). That's why we decided to partner up with WeForest. Their work aligns with Beewise's aim to create a community that wants to make a difference through their investments. We really believe in the power of our community, and hope that together we can help restore our planet. &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">While WeForest is primarily dedicated to reforestation, we were very intrigued by the fact that they also contribute to the achievement of all of the UN\u2019s Sustainable Development Goals (SDGs). That's why we decided to partner up with WeForest. Their work aligns with Beewise's aim to create a community that wants to make a difference through their investments. We really believe in the power of our community, and hope that together we can help restore our planet. <\/span>"},{"domanda":"What are the WeForest donations used for?","risposta":"Beewise has partnered up with WeForest with the purpose of supporting reforestation. At the moment we have committed to one of their projects based in Brazil. We want to help WeForest obtain the necessary funds to restore the Tiet\u00ea Forests. Going in a bit more detail, we would like to share with you the project\u2019s main goals:\r\n<ul>\r\n \t<li>Protect water resources and improve the water supply for local communities, transitioning the region away from the use of herbicides that can have long-term damaging effects on biodiversity, water bodies and humans.<\/li>\r\n \t<li>Increase forest cover by restoring riparian (riverbank) forests, establishing wildlife corridors to boost biodiversity.<\/li>\r\n \t<li>Scale up from four to around 15 municipalities over time. The first phase aims to restore 2000 hectares on AES Tiet\u00ea landholdings (representing around 4 000 000 trees). The total landscape at this side of the Tiet\u00ea watershed could eventually encompass around 15 municipalities.<\/li>\r\n<\/ul>\r\nTo find out more about this great project, you can visit the <a href=\"https:\/\/www.weforest.org\/project\/tieteforests\" target=\"_blank\" rel=\"noopener\">WeForest website<\/a>.\r\n\r\n&nbsp;"},{"domanda":"How can I create budgets?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You can create budgets by going to the Spending Dashboard of the Beewise app. Here you will see your monthly budget, and in case you do not have one yet you can create it here. Within this monthly budget, you have the option to create category-specific monthly budgets too, which can be very useful to have a better understanding of which categories you tend to spend too much on or less than expected.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You can create budgets by going to the Spending Dashboard of the Beewise app. Here you will see your monthly budget, and in case you do not have one yet you can create it here. Within this monthly budget, you have the option to create category-specific monthly budgets too, which can be very useful to have a better understanding of which categories you tend to spend too much on or less than expected.<\/span>"}]},{"categoria":"Terms and definitions","domande":[{"domanda":"Am I a Politically Exposed Person (PEP)?","risposta":"A Politically Exposed Person is a natural person who works or has ceased to work for less than a year at a public office, as well as their family members and those with notoriously close ties.\r\n\r\nUnfortunately, at the moment, if you hold a position of this type you cannot invest with the Beewise app.\r\n\r\nIf you would like to find out more about our other investment services we offer, you can go to <a href=\"https:\/\/www.azimut.it\" target=\"_blank\" rel=\"noopener\">www.azimut.it<\/a>\u00a0to discover other opportunities we have in store for you."},{"domanda":"What roles\/offices are considered significant?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Roles\/offices that are considered to be significant, even if they are not definable as PEP, are those that are able to exercise considerable influence in the judicial field, in companies owned by public bodies, in the political sphere, or in in any other field related to the public interest.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">Roles\/offices that are considered to be significant, even if they are not definable as PEP, are those that are able to exercise considerable influence in the judicial field, in companies owned by public bodies, in the political sphere, or in in any other field related to the public interest.<\/span>"},{"domanda":"How can I be connected to a PEP?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;You are connected to a PEP if you are either a person who holds, jointly with a PEP, the beneficial ownership of a legal entity or has close business ties with a PEP.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">You are connected to a PEP if you are either a person who holds, jointly with a PEP, the beneficial ownership of a legal entity or has close business ties with a PEP.<\/span>"},{"domanda":"What does MiFID II mean?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;MiFID II is an investor regulation that has been created under the European Union in order to protect investors to a greater extent. Through MiFID II we can get a transparent overview of what experience our investors have, what their financial situation is, and what their goals are. It allows us to better assess every investor\u2019s profile and reduce possible risks.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">MiFID II is an investor regulation that has been created under the European Union in order to protect investors to a greater extent. Through MiFID II we can get a transparent overview of what experience our investors have, what their financial situation is, and what their goals are. It allows us to better assess every investor\u2019s profile and reduce possible risks.<\/span>"},{"domanda":"Which investor profiles are there and what do they mean?","risposta":"There are three Investor Profiles:\r\n<ul>\r\n \t<li><strong>Careful:<\/strong> clients who give importance to investment protection. They are therefore willing to have an invested capital with limited growth by accepting a low variability of return.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><strong>Confident:<\/strong> clients for whom the importance of protecting their invested capital is less important than the need for return. They are therefore willing to have an invested capital with moderate growth in the medium term by accepting an average variability of return.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><strong>Courageous:<\/strong> clients for whom the importance of capital protection and investment safety is secondary to the expected return. They are therefore willing to tolerate considerable fluctuations in the value of their investments to achieve significant returns over the medium-long term.<\/li>\r\n<\/ul>"},{"domanda":"What is PSD2 and how do we use it?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;PSD2 is a European regulation for electronic payment services that aims at making payments more secure and making financial data more accessible to boost innovation in the financial industry. The PSD2 regulation helps us provide better services to our clients.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">PSD2 is a European regulation for electronic payment services that aims at making payments more secure and making financial data more accessible to boost innovation in the financial industry. The PSD2 regulation helps us provide better services to our clients.<\/span>"},{"domanda":"What are smart tips?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Smart tips consist of personalized insights on your budgets and investments to help you throughout your investment journey, and our most recent blogs.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">Smart tips consist of personalized insights on your budgets and investments to help you throughout your investment journey, and our most recent blogs.<\/span>"},{"domanda":"Which transaction statuses are there and what do they mean?","risposta":"1. <b>Pending<\/b>: Your funds are being processed.\r\n2. <b>Investment received<\/b>: Your funds have been received.\r\n3. <b>Investment in progress<\/b>: Your funds are in the process of being invested.\r\n4. <b>Completed<\/b>: Your funds have successfully been invested in your Beewise portfolio of choice.\r\n5.<b> Rejected<\/b>: Your investment has been rejected."},{"domanda":"What are monthly investment reminders?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The monthly investment reminder is a setting on the Beewise app that you can activate to regularly make the same investment. When you activate the monthly investment reminder it is important to know that your investments will not be done automatically if you are paying with your bank account. You will receive an in-app reminder, and then still have to confirm your investment each time.\\n\\nIf you decide to pay with Satispay in the Beewise app, you have the option to set up an automatic monthly payment without having to give your approval again.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">The monthly investment reminder is a setting on the Beewise app that you can activate to regularly make the same investment. When you activate the monthly investment reminder it is important to know that your investments will not be done automatically if you are paying with your bank account. You will receive an in-app reminder, and then still have to confirm your investment each time.<\/span>\r\n\r\nIf you decide to pay with Satispay in the Beewise app, you have the option to set up an automatic monthly payment without having to give your approval again."},{"domanda":"What does UCITS stand for?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;UCITS stands for Undertakings for Collective Investment in Transferable Securities. These rules make it easier for investment management companies to sell their products within the EU while investors have a higher level of protection. All Beewise portfolios are UCITS-compliant.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">UCITS stands for Undertakings for Collective Investment in Transferable Securities. These rules make it easier for investment management companies to sell their products within the EU while investors have a higher level of protection. All Beewise portfolios are UCITS-compliant.<\/span>"},{"domanda":"What does conservative fund profile mean?","risposta":"<p class=\"p1\"><strong>Conservative funds<\/strong> are typically composed of safer investments, such as cash and bonds, even if a small exposure to stocks can help offset inflation and boost returns. They allocate a large percentage of the total to fixed income securities (generally between 70% and 90%), and the remaining part to equities. It is recommended if your time horizon is relatively short, as your exposure to the frequent stock market fluctuations is strongly limited.<\/p>"},{"domanda":"What does balanced fund profile mean?","risposta":"<p class=\"p1\"><strong>Balanced funds<\/strong> typically have the same exposure to fixed income and equity securities, as they try to exploit opportunities from both asset classes. They can slightly favor one asset class over the other in case of strong views on the market.<\/p>"},{"domanda":"What does aggressive fund profile mean?","risposta":"<p class=\"p1\"><strong>Aggressive funds<\/strong> are typically composed of riskier investments in order to generate capital gains. They allocate the vast majority of the total assets to equities (generally between 70% and 90%), and the remaining part to bonds and cash. If your time horizon is medium-to-long, these funds can help you achieve your investment objectives.<\/p>"},{"domanda":"What is Personal Financial Management (PFM)?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;PFM (Personal Financial Manager) is a software that allows people to manage their money better. On the Beewise app, the PFM can be found in the Spending Dashboard, and gives you a clearer overview of your personal finances connected to your bank account on the Beewise app. These tools include data visualizations of your personal finances, categorization of transactions, and the ability to set budgets.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Calibri&quot;}\">PFM (Personal Financial Manager) is a software that allows people to manage their money better. On the Beewise app, the PFM can be found in the Spending Dashboard, and gives you a clearer overview of your personal finances connected to your bank account on the Beewise app. These tools include data visualizations of your personal finances, categorization of transactions, and the ability to set budgets.<\/span>"},{"domanda":"What does ESG mean?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;ESG stands for Environmental, Social and Corporate Governance. These three factors lie at the core of measuring an investment's level of sustainability and societal impact.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">ESG stands for Environmental, Social and Corporate Governance. These three factors lie at the core of measuring an investment's level of sustainability and societal impact.<\/span>"},{"domanda":"How can you interpret our ESG Rating?","risposta":"Here is the legend to interpret our ESG rating:\r\n<ul>\r\n \t<li>1 grey leaf: CCC rating (score 0-1.4)<\/li>\r\n \t<li>1 grey leaf: B rating (score 1.4-2.9)<\/li>\r\n \t<li>1 grey leaf: BB rating (score 2.9-4.3)<\/li>\r\n \t<li>1 green leaf: BBB rating (score 4.3-5.7)<\/li>\r\n \t<li>2 green leaves: A rating (score 5.7-7.1)<\/li>\r\n \t<li>3 green leaves: AA rating (score 7.1-8.6)<\/li>\r\n \t<li>4 green leaves: AAA rating (score 8.6-10)<\/li>\r\n<\/ul>"}]},{"categoria":"Support, security, and privacy","domande":[{"domanda":"What happens if I delete the Beewise App from my device?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;If you delete the Beewise app from your device this will not have any impact on your investments as long as all your personal information stays valid. Your account will still exist even though you have deleted the Beewise app, which means that all your investments in the Beewise app will remain invested until you download the application again on your device to then make changes. Only if you want to delete your Beewise account itself, you will first need to withdraw all your investments to your bank account as you are terminating your contract of investment activity.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4993,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;}\">If you delete the Beewise app from your device this will not have any impact on your investments as long as all your personal information stays valid. Your account will still exist even though you have deleted the Beewise app, which means that all your investments in the Beewise app will remain invested until you download the application again on your device to then make changes.<\/span>"},{"domanda":"How do I contact customer support?","risposta":"You can contact our customer support at <a href=\"mailto:customerservice@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">customerservice@beewiseapp.com\/fr <\/a>and we will be more than happy to help you with any questions.\r\n\r\nAre you experiencing any technical issues? Contact us at <a href=\"mailto:support@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">support@beewiseapp.com\/fr<\/a>.\r\n\r\nDo you have any marketing-related questions? Contact us at <a href=\"mailto:marketing@beewiseapp.com\/fr\" target=\"_blank\" rel=\"noopener\">marketing@beewiseapp.com\/fr<\/a>."},{"domanda":"Where can I see your privacy policy?","risposta":"For those who would like to read more about our privacy policy, you can turn to our website where you can find detailed information about our <a href=\"\/en\/policies\/\" target=\"_blank\" rel=\"noopener\">privacy policy<\/a>."},{"domanda":"Is my money safe?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beewise is a safe service, we can guarantee that. All our portfolios are managed by the Azimut Global team of professionals. Furthermore, Beewise is supported by Azimut Holding S.p.A. under the supervision of Banca Italia and Consob. While Beewise's management company \u2013 Azimut Investments S.A. \u2013 is regulated by the CSSF.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:1315713,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri,Arial&quot;,&quot;21&quot;:0,&quot;23&quot;:1}\">Beewise is a safe service, we can guarantee that. All our portfolios are managed by the Azimut Global team of professionals. Furthermore, Beewise is supported by Azimut Holding S.p.A. under the supervision of Banca Italia and Consob. While Beewise's management company \u2013 Azimut Investments S.A. \u2013 is regulated by the CSSF.<\/span>"},{"domanda":"Is Beewise regulated?","risposta":"<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Beewise is promoted by the Azimut Holding S.p.A. listed Company under the supervision of Banca Italia and Consob and the Management Company - Azimut Investments S.A. \u2013 is regulated by the CSSF.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4480,&quot;10&quot;:0,&quot;11&quot;:4,&quot;15&quot;:&quot;Calibri&quot;}\">Beewise is promoted by the Azimut Holding S.p.A. listed Company under the supervision of Banca Italia and Consob and the Management Company - Azimut Investments S.A. \u2013 is regulated by the CSSF.<\/span>"},{"domanda":"What happens if Beewise is unable to pay out?","risposta":"<span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;The Beewise brand was launched by Azimut in March 2022. If Azimut Investments S.A. can't pay, it won't affect the product's assets that are kept safe by BNP Paribas, Luxembourg Branch. But if BNP Paribas or someone acting on their behalf can't pay, there is a risk of financial loss for the product. However, BNP Paribas is required by law to keep their assets separate from the product's assets, which highly reduces the risk. Furthermore BNP Paribas has a A+ rating from Standard &amp; Poor\u2019s (reference data October 2022) and a default is therefore a rare event.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7041,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:3,&quot;3&quot;:1},&quot;15&quot;:&quot;Calibri&quot;}\">The Beewise brand was launched by Azimut in March 2022. If Azimut Investments S.A. can't pay, it won't affect the product's assets that are kept safe by BNP Paribas, Luxembourg Branch. But if BNP Paribas or someone acting on their behalf can't pay, there is a risk of financial loss for the product. However, BNP Paribas is required by law to keep their assets separate from the product's assets, which highly reduces the risk. Furthermore BNP Paribas has a A+ rating from Standard &amp; Poor\u2019s (reference data October 2022) and a default is therefore a rare event.<\/span>"}]}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Beewise \u2013 FAQ<\/title>\n<meta name=\"description\" content=\"Discover our FAQ section to find the answers to your questions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/beewiseapp.com\/fr\/faq\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beewise \u2013 FAQ\" \/>\n<meta property=\"og:description\" content=\"Discover our FAQ section to find the answers to your questions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/beewiseapp.com\/fr\/faq\" \/>\n<meta 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