Introduction
These General Terms and Conditions apply to all services offered by Roijakkers Finance, located at Kastanjelaan 400 in Eindhoven and registered with the Chamber of Commerce under number 95182799. Roijakkers Finance focuses on financial services, including wealth accumulation, pension advice, and online products. By using our services or products, you agree to these terms and conditions.
1. Identity of Roijakkers Finance
- Name: Roijakkers Finance BV
- Address: Kastanjelaan 400, 5616 LZ Eindhoven
- Email address: info@roijakkersfinance.nl
- Website: www.roijakkersfinance.nl
- Chamber of Commerce number: 98155962
2. Applicability
2.1. These General Terms and Conditions apply to all agreements and quotations between Roijakkers Finance and its clients regarding financial services, including wealth accumulation, pension advice, group days, and online products such as courses and masterclasses.
2.2. Deviations from these terms and conditions are only valid if agreed upon in writing.
2.3. Any general terms and conditions of the Client are expressly rejected, unless otherwise agreed in writing.
3. Quotations and agreements
3.1. All quotations from Roijakkers Finance are without obligation and remain valid for 30 days, unless otherwise stated.
3.2. The agreement is concluded as soon as the client accepts the quotation in writing.
3.3. Roijakkers Finance reserves the right to adjust quotations in the event of clear typing or calculation errors.
4. Obligations of Roijakkers Finance
4.1. Roijakkers Finance undertakes to perform the services with the utmost care and in accordance with the standards of professionalism.
4.2. Roijakkers Finance offers a best efforts obligation and no guarantee of specific results, unless otherwise agreed in writing.
4.3. Roijakkers Finance has the right to engage third parties for the performance of services, provided that this does not reduce the quality of the service provision.
5. Obligations of the Client
5.1. The Client shall ensure the timely and correct provision of all necessary information and documents required for the performance of the services by Roijakkers Finance.
5.2. Roijakkers Finance is not liable for damage resulting from incomplete or incorrect information provided by the client.
6. Additional terms and conditions for online products and services
6.1. Use of online productsRoijakkers Finance offers online products, such as courses, masterclasses, and digital documents. Access to these products is intended exclusively for personal use by the client and may not be shared, copied, or used commercially without permission.
6.2. Cancellation and refundOnline products come with a '14-day money-back guarantee' provided that less than 25% of the product has been completed. If more than 25% is completed, the right to a refund is forfeited.
6.3. Satisfaction guarantee and voucherIf explicitly stated, the client may receive a voucher upon the full completion of an online product (at least 80% completed), redeemable for a 1-on-1 program at Roijakkers Finance. This voucher is valid for three years from the date of issue and cannot be exchanged for cash.
6.4. Termination of accessRoijakkers Finance reserves the right to terminate access to online products in the event of misuse or violation of the terms of use by the client.
7. Payments and security
7.1. Payments must be made within 14 days of the invoice date, unless otherwise agreed in writing.
7.2. In the event of late payment, the Client shall owe statutory interest, and Roijakkers Finance reserves the right to suspend the services.
7.3. Roijakkers Finance may, if necessary, require additional security for substantial financial obligations. This may take the form of an advance payment, surety, guarantee, or pledge.
7.4. If the Client fails to provide the required securities within the stipulated period, Roijakkers Finance reserves the right to suspend the services or terminate the agreement.
8. Termination and transfer of agreement
8.1. The Client is not entitled to transfer the rights and obligations under the agreement to third parties without the prior written consent of Roijakkers Finance.
8.2. Roijakkers Finance reserves the right to transfer rights and obligations under the agreement to third parties. By entering into the agreement, the Client consents to this.
8.3. Upon termination of the agreement, the provisions regarding liability, confidentiality, and intellectual property shall remain in full force and effect.
9. Liability and specific damages
9.1. Roijakkers Finance is solely liable for direct damage that is demonstrably the result of intent or gross negligence. Liability is limited to the amount paid by the client for the relevant service, with a maximum of €2,500.
9.2. Roijakkers Finance is not liable for indirect damages such as loss of profit, loss of investments, or loss of value, nor for psychological or emotional damage caused by the services.
9.3. The Client remains solely responsible for obtaining additional advice from a recognized financial advisor before making decisions based on the information provided.
9.4. Specific exclusions of liability include:
- Consequential damage caused by fluctuations in financial markets or changes in legislation.
- Loss or depreciation of assets or investments.
- Psychological or emotional damage related to attending training sessions, courses, or using online products.
10. Force Majeure
10.1. Roijakkers Finance is not liable for non-fulfillment of obligations due to force majeure, such as natural disasters, disruptions in the digital infrastructure, and statutory restrictions.
10.2. If the force majeure lasts longer than 30 days, the Client has the right to terminate the agreement without additional costs.
11. Intellectual property
11.1. All documents, reports, and advice provided by Roijakkers Finance are intended exclusively for internal use by the client.
11.2. The Client is not permitted to copy, distribute, or commercially use the provided information without permission.
12. Confidentiality
12.1. Roijakkers Finance and the Client are obliged to maintain confidentiality regarding confidential information they obtain in the context of the agreement, unless legal obligations require otherwise.
13. Complaints procedure
13.1. Complaints regarding the service must be reported in writing via info@roijakkersfinance.nl within 14 days of discovering the problem.
13.2. Roijakkers Finance will respond to submitted complaints within 14 days. If a longer processing time is required, the client will be informed.
14. Changes to the general terms and conditions
14.1. Roijakkers Finance reserves the right to amend these general terms and conditions. The most recent version is always available on our website.
14.2. Changes apply from the date of publication, unless stated otherwise. In the event of significant changes, the Client will be notified by email.
15. Applicable law and competent court
15.1. All agreements with Roijakkers Finance are governed exclusively by Dutch law.
15.2. Disputes shall be submitted to the competent court in the place of business of Roijakkers Finance, unless mandatory law prescribes otherwise.
16. Additional terms and conditions for digital environment and digital products
16.1 Nature of the services: the digital learning environment is a digital educational product and not an individual consultancy service. The content is general in nature and not tailored to the personal situation of the client.
16.2 Access and duration: Upon successful payment, the client gains access to the digital learning environment via the Podia platform.
Access is unlimited as long as Roijakkers Finance offers the e-learning. Roijakkers Finance reserves the right to update or modify the content or (in extreme cases) to terminate the product.
16.3 Right of withdrawal for digital content: By purchasing the digital learning environment, the client expressly agrees to the immediate delivery of digital content.t and acknowledges waiving the statutory right of withdrawal as soon as access to the digital learning environment has commenced, in accordance with Article 6:230p of the Dutch Civil Code. If Roijakkers Finance nevertheless offers a (voluntary) money-back scheme, this applies exclusively under the conditions stated on the website.
16.4 Use and license: The digital learning environment and accompanying materials are intended for personal use only. It is not permitted to:
- to share the content with third parties;
- to copy, sell or make public these;
- to make screen recordings or republication without written permission.
All intellectual property rights remain with Roijakkers Finance.
16.5 Use and license: Roijakkers Finance provides no guarantees regarding financial or tax outcomes. The application of information from the digital learning environment is entirely at the client's own expense and risk.
16.6 Liability: For damages arising from the use of the digital learning environment, the limitation of liability as set out in Article 9 of these general terms and conditions applies.