Terms and conditions of sale

Last updated: 12 October 2026.

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

These terms of sale apply to every offer, quotation, registration and agreement relating to courses, training programmes, coaching, workshops, keynotes and programmes of the Financial Well-Being Academy, 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"). They apply to consumers and to professional customers, unless a provision expressly applies to only one of the two groups. Deviating terms in a written proposal or in your confirmation prevail over these terms. The customer's general terms and conditions do not apply, unless we expressly accept them in writing.

1. Definitions

Consumer: any natural person acting for purposes outside his or her trade, business, craft or profession.
Professional customer: any other customer, such as a self-employed person, company or organisation.
Service: any course, training programme, coaching, workshop, keynote, programme or other offering of the academy.
Online course: a course with lessons, tools and worksheets that you follow digitally via the website.

2. Our offering

On the website you will find, among other things:

online courses, such as "The road to financial well-being" and "Boost your financial confidence";
online courses with a package of 4 or 8 online coaching sessions (course + 4 sessions, course + 8 sessions), and individual coaching sessions that you can order later via your dashboard;
the professional training programme Budget- & Financial Well-Being Coach, only after an intake interview and motivation;
workshops, information sessions, keynotes and programmes for groups and organisations, based on a tailored proposal;
an introductory meeting.

The description of a service (programme, duration, format and labels such as "online" or "individual") is as accurate as possible. We may make minor changes to content, scheduling or instructor that do not reduce the quality, without this being a ground for cancellation. An appointment request via the website is not yet an agreement.

3. Prices

Prices are stated in euros and include VAT in so far as it is due. Prices stated on the website apply during the period in which they are shown and do not change anything about an order that has already been confirmed.
For professional customers, groups and organisations, the proposal states the price and the payment terms.
Printing errors or obvious mistakes in prices do not bind us. If there is such an error, we notify you before we confirm the registration and you can withdraw free of charge.

4. Formation of the agreement

You register via the website, the contact form, by e-mail or by accepting our proposal.
The agreement is formed when we confirm your registration by e-mail or, in the case of a proposal, when you have returned it signed or accepted in writing.
The professional training programme requires an intake interview and motivation. We may refuse or postpone admission. If admission is refused, nothing is owed.
Your confirmation states the service, the price, the duration of your access and how you can start.

5. Payment

You pay via the payment method or payment link that we provide to you. For an online course, you receive access as soon as payment has been received, unless we agree that you pay by invoice.
Invoices to professional customers and organisations are payable within thirty days of the invoice date, unless the proposal states otherwise. Any dispute of an invoice must be made in writing within eight days of receipt.
In the case of payment in instalments, the full outstanding amount becomes immediately due and payable when one instalment is not paid on time.
In the event of late payment by a professional customer, interest is due, without formal notice, at the statutory interest rate for commercial transactions, plus a fixed compensation of 10 % of the outstanding amount, with a minimum of € 75. For a consumer, a formal notice of default is required and the statutory interest rate applies.
As long as an invoice remains unpaid, we may suspend access or the performance of the service.

6. Access to online courses

Your access is personal, non-transferable and valid for the duration stated in your confirmation. After that, access expires, unless we agree otherwise.
You may not share your access code or login details. In the event of misuse, we may suspend or terminate your access without refund.
The use of the lessons, tools and worksheets is subject to the terms of use.
You need a device with an internet connection and a recent browser. We are not responsible for problems arising from your equipment or connection.

7. Right of withdrawal for consumers

If you buy at a distance as a consumer (via the website, e-mail or telephone), you have the right to withdraw from the purchase within fourteen calendar days without giving any reason. The period starts the day after the agreement is concluded. For digital content and services, the following applies:

Online course (digital content): you lose your right of withdrawal when you start the course with your express prior consent and confirm that you thereby lose your right of withdrawal. We ask you for that consent and acknowledgement before your access is activated.
Services (coaching, workshops, training): if you expressly request to start during the withdrawal period and then withdraw, you pay an amount in proportion to what has already been provided at the time of withdrawal. If the service has been fully performed with your express consent and acknowledgement that you lose your right of withdrawal, you can no longer withdraw.

To withdraw, you send us an unambiguous statement at info@financialwellbeingacademy.com (for example: "I withdraw from my purchase of [service], ordered on [date], in the name of [name]"). You may also use the model withdrawal form provided by Belgian law, but this is not mandatory. We refund the amount due within fourteen days of receiving your statement, using the same means of payment, unless you agree to something else.

Professional customers have no right of withdrawal.

8. Appointments, rescheduling and cancellation

Individual coaching: you can reschedule or cancel a session free of charge up to 48 hours in advance. Later cancellation or no-show means that the session counts as delivered, unless there is force majeure, such as illness or an accident. In that case we look for a new time.
Group sessions, workshops and keynotes: the proposal applies. If nothing has been stipulated, you can cancel free of charge up to thirty days before the start; up to fourteen days before the start you pay 50 % of the price, and after that the full price. Replacing a participant with a colleague is always possible.
Professional training programme and courses: after the start, or after your access has been activated, no refund is possible, except in the case of the right of withdrawal or if we do not deliver the service.
A coaching session costs 100 euros per session. With every course you can choose a package of 4 or 8 sessions, or order additional sessions later via your dashboard. Requesting a session via your dashboard is not an appointment: your coach will contact you to choose a time together. Once your sessions are used up, you can order more at any time.
Coaching packages are valid for the period stated in your confirmation. Unused sessions expire after that period, unless we extend the period by mutual agreement.

9. Performance of the service

We undertake a best-efforts obligation (inspanningsverbintenis): we perform the service with care and expertise, but cannot guarantee any particular result. What you do with the insights and exercises is in your hands.
Coaching is not therapy, not debt mediation and not financial, tax or legal advice. Your coach refers you on if other expertise is needed.
You provide us in good time and correctly with the information we reasonably need.
Coaches and trainers who work for us do so as self-employed persons or as employees. We may engage subcontractors for the performance, for whom we are responsible.
If a coach or trainer is unexpectedly unavailable, we look for an equivalent replacement or a new time. If that is not possible, we refund the part of the price relating to the service not delivered.

10. Programmes for organisations

The proposal determines the content, duration, number of participants, price and schedule.
Reporting to the organisation takes place at group level and without individual data. What an employee discusses with a coach is confidential and is not passed on to the employer, unless the employee expressly consents or the law requires it.
All our sessions take place online. The organisation ensures suitable equipment and a good internet connection for its participants.
For the processing of personal data, we make separate arrangements where necessary in a data processing agreement.

11. Intellectual property

All course materials, worksheets, models, tools and presentations remain the property of Het Financieel Huis BV or of our licensors. You receive a personal, non-exclusive, non-transferable right of use for the duration of your access. Copying, distributing or commercially using them is only possible with our prior written consent. A separate licence may apply to coaches and trainers. See also the terms of use.

12. Liability

Our content is educational and general. We are not liable for decisions you take on the basis of the course, coaching or tools.
For professional customers, our liability is limited to direct damage and to no more than the amount you paid for the service concerned. We are not liable for indirect damage, such as loss of profit, loss of customers or consequential damage.
For consumers, the limitation applies only to the extent permitted by law.
Nothing in these terms limits our liability in the event of intent, fraud, gross negligence, personal injury or death, or where the law does not permit it.
For consumers, the statutory conformity guarantee for digital content and digital services also applies.

13. Force majeure

In the event of force majeure, such as illness, a power or internet outage, a cyberattack, a government measure or another unforeseen and unavoidable event, we may suspend performance or organise the service at a later time. If performance is permanently impossible, we refund the part not yet delivered.

14. Personal data

We process your personal data as described in our privacy statement. You can read more about your rights on the GDPR page.

15. Complaints

Send complaints as soon as possible to info@financialwellbeingacademy.com. We acknowledge receipt within five working days and aim for a solution within thirty days. If we cannot resolve the matter together, you can, as a consumer, contact the Consumer Mediation Service (Consumentenombudsdienst, www.consumentenombudsdienst.be).

16. Applicable law and competent court

Our agreements are governed by Belgian law. Disputes are submitted to the courts of the judicial district of Limburg, Hasselt division. For consumers, this applies without prejudice to the mandatory jurisdiction rules that are more favourable to them.

17. Final provisions

If a provision is void or unenforceable, the other provisions remain in force and we replace the provision concerned with a valid one that comes closest to the intention. We may transfer our rights and obligations to a third party, provided that this does not reduce your rights. Changes to these terms apply to new agreements. For current agreements, the terms that applied at the time they were concluded continue to apply.