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Our legal texts are written in Dutch and only the Dutch version is binding. Where a translation is provided, it is for information only.

Terms of use

Last updated: 12 October 2026.

This translation is provided for information only. Only the Dutch version is binding.

Welcome to the Financial Well-Being Academy. These terms of use govern the use of the website financialwellbeingacademy.com, including the lessons, tools, worksheets, the blog and the assistant (together: "the website"). The website is offered by Het Financieel Huis BV, with its registered office at Gaston Oomslaan 140, 3581 Beverlo (Beringen), company number 0666.611.318 (hereinafter "we", "us" or "the academy"). By using the website, you accept these terms. If you do not agree, do not use the website.

1. Contact

For questions about these terms or the website, you can reach us at info@financialwellbeingacademy.com. We reply within two working days.

2. What the website is, and what it is not

The website offers educational content about money, behaviour, budgeting and financial well-being, together with calculators, tests and worksheets. Everything you find on the website is general in nature. It does not take account of your personal situation, goals or means.

  • The content is not financial, investment, credit, insurance, tax, legal or medical advice.
  • The content is not an offer, recommendation or invitation to buy or sell a financial product.
  • Coaching is not therapy, not debt counselling and not debt mediation. In the event of psychological distress or serious debt problems, we refer you to specialised help.

Therefore never take important decisions solely on the basis of the website. Where necessary, seek advice from a recognised professional.

3. Calculators, tests and worksheets

Our tools give an indication based on the data you enter yourself and on simplified assumptions. Results are not a promise, prediction or guarantee.

  • Amounts, percentages, tax rules and statutory limits change regularly. We do our best to keep them up to date, but cannot guarantee that they are correct and complete at every moment. Check important amounts with the official source or with your adviser.
  • Tests and questionnaires (for example about money stress or money personality) are not a diagnosis and not a scientifically validated measuring instrument, unless expressly stated otherwise.
  • You remain responsible for the accuracy of the data you enter and for the use you make of the results.

4. Your data in tools and worksheets

What you enter in tools, worksheets and lessons is stored on your own device (in your browser's local storage). If you are logged in, it is also stored in your account, visible only to you. You can always clear your answers with the "Clear my answers" button or via your browser settings. You will find more information in the privacy statement and on the page cookies and local storage.

Do not enter data that you do not want to keep on the device you are using. If you use a shared or public device, clear your answers before you leave the website.

5. AI features

Some tools offer the option of having your input processed by an AI assistant, for example to refine a text or prompt. Your input is only sent when you click the corresponding button yourself. Answers from an AI assistant may contain errors or omissions and are not advice. Do not enter sensitive data, such as account numbers, national register numbers, passwords or health data. See also the privacy statement.

The Academy assistant (the chat on the website) answers questions about our courses and does not give personal advice.

6. Account and access

For certain parts, such as the lessons of a course, the coaching environment or the trainer materials, you need a personal access code or an account.

  • Your access is personal and non-transferable. Do not share your code or login details with others.
  • You are responsible for everything that happens through your access. If you suspect misuse, notify us immediately.
  • We may suspend access temporarily or permanently in the event of misuse, breach of these terms or non-payment. If you have paid for services you have not yet received, we arrange the refund in accordance with the terms of sale.

7. What you may and may not do

You use the website in a proper manner and only for lawful purposes. It is not permitted to:

  • circumvent or test the security or access restrictions of the website without our permission;
  • overload or disrupt the website or introduce harmful code (viruses, scripts) into it;
  • systematically copy, scrape or automatically query content (bots, crawlers), except for ordinary search engines;
  • impersonate someone else or provide false information;
  • enter or distribute unlawful, offensive, discriminatory or infringing content;
  • resell course materials, lessons or worksheets, share them with non-paying third parties or make them public.

8. Intellectual property

All texts, lessons, videos, worksheets, tools, models, illustrations, logos, trade marks, trade names and the layout of the website are the property of Het Financieel Huis BV or of our licensors and are protected by copyright, trade mark law and other intellectual property rights.

  • You receive a personal, non-exclusive, non-transferable and revocable right to use the content for your own learning and your own financial situation.
  • Copying, editing, distributing, translating, reselling or commercially using the content is only possible with our prior written consent.
  • Coaches and trainers who work with our materials in their professional practice do so only within what has been agreed with us in writing. Attribution remains mandatory.
  • Quoting short excerpts is permitted with clear acknowledgement of the source and a link to the website.

9. Your content

What you enter or send us yourself (for example in a form or a message) remains yours. By providing it to us, you give us the right to use it for the purpose for which you sent it, such as answering your question or scheduling your appointment. We do not use it to contact you about other matters without your consent. See the privacy statement.

10. Links to other websites

The website may contain links to third-party websites (such as partners, organisations or sources). We have no control over those websites and are not responsible for their content, availability or privacy policy. A link is not a recommendation, unless we say so expressly.

11. Availability and technical operation

We aim for a smoothly working website, but cannot guarantee that it is always available without interruption or errors. We may modify, maintain, interrupt or discontinue the website or parts of it without prior notice. You are responsible for your own device, browser and internet connection.

12. Liability

We take great care over the content of the website, but offer it "as is". We are not liable for decisions you take on the basis of the content or the results of a tool, nor for damage caused by temporary unavailability, technical failures or loss of data that you stored only locally on your device.

This limitation does not apply in the event of intent, fraud or gross negligence on our part, in the event of personal injury or death, and not to liability that cannot legally be excluded or limited. Rights to which you are mandatorily entitled as a consumer remain fully applicable. Where we are liable, that liability is limited to direct and foreseeable damage, and to the amount you paid us for the service concerned, to the extent permitted by law.

13. Privacy and cookies

We process personal data in accordance with the General Data Protection Regulation (GDPR) and Belgian legislation. Please read the privacy statement, the page about your rights and the page about cookies and local storage.

14. Purchases

The purchase of courses, coaching packages and programmes is additionally subject to our terms of sale. In the event of conflict, the terms of sale prevail over these terms of use, as far as the purchase itself is concerned.

15. Changes

We may amend these terms, for example because of new features or changes in the law. The most recent version is always on this page, with the date of the last update at the top. In the event of important changes, we notify logged-in users. If you use the website after a change, this counts as acceptance of the new version.

16. Complaints

Not satisfied, or has something gone wrong? Let us know at info@financialwellbeingacademy.com. We acknowledge your complaint within five working days and look for a solution together. As a consumer, you can also contact the Consumer Mediation Service (Consumentenombudsdienst, www.consumentenombudsdienst.be).

17. Applicable law and competent court

These terms and the use of the website are governed exclusively by Belgian law. Disputes are submitted to the courts of the judicial district of Limburg, Hasselt division, without prejudice to the mandatory jurisdiction rules in favour of consumers.

18. Final provisions

If a provision of these terms is void or unenforceable, the other provisions remain fully in force. The fact that we do not exercise a right immediately does not mean that we waive it. These terms, together with the privacy statement and the terms of sale, form the entire agreement between you and us regarding the use of the website.