General Terms and Conditions
FinRisk Training (Consumers)

These general terms and conditions and govern all offers, quotations, and agreements of FinRisk Training issued to customers concerning the provision of Content and Services of FinRisk Training which refer to these general terms and conditions, hereinafter referred to as “FinRisk Training”

Article 1 – Definitions

These conditions use the following definitions:

Content: all works and other materials, in whatever form – whether or not digitally – published by FinRisk Training or third parties, and sold or made available – whether or not online – by FinRisk Training, including books, e-books, magazines, articles, tests, questionnaires, educational materials, courses, and databases.

Service: a service offered by FinRisk Training which it performs when contracted by and/or for the benefit of the Customer, including, but not limited to, a training session.

Digital Content: all Content made available in digital format, including Content made available as a digital copy (download).

Event: a training course, workshop, seminar, or a similar service.

Customer: the natural person or corporate who concludes an Agreement with FinRisk Training.

Agreement: the Agreement between FinRisk Training and the Customer concerning service for example a training session.

Conditions: these general terms and conditions

Article 2 – Identity of FinRisk Training

FinRisk Training, Utrechtseweg 32A, 3544 NA Utrecht, www.finrisk.eu

FinRisk Training is registered in the Netherlands Chamber of Commerce (Kamer van Koophandel) with registration number 82315191

Article 3 – Applicability of and Amendments to the Conditions

  1. These Conditions govern all agreements between FinRisk Training and the Customer. The Conditions can be found easily on the websites of FinRisk Training and will be immediately provided upon request at no cost.
  2. Any conditions used by the Customer are rejected by FinRisk Training and are not part of the agreement, unless FinRisk Training has accepted these conditions.
  3. FinRisk Training has the right to amend the Conditions. Amendments to the Conditions also apply to any existing agreements. FinRisk Training will communicate any amendments to the Conditions prior to their introduction, for example through its website and/or newsletters. The amended Conditions will take effect two weeks after their announcement, or as much later as determined in the announcement. The Customer has the right to terminate the agreement with effect from the day on which the amended Conditions take effect.

Article 4 – Invoicing and Payment

  1. Payment by the Customer must take place no later than within 14 days of the moment on which the agreement is concluded to the bank and/or giro account indicated by FinRisk Training, unless (advance) payment has taken place by credit card, iDeal, or another method permitted by FinRisk Training.
  2. FinRisk Training has the right to suspend the fulfilment of its obligation to provide Content or Services vis-à-vis the Customer as long as the Customer has not met its payment obligation concerning the Content or Services in question.

Article 5 – Delivery and Risk

FinRisk Training reserves the ownership of all tangible training item(s) delivered to the Customer until the Customer has fully met all its obligations vis-à-vis FinRisk Training based on the agreement.

Article 6 – Events 

Events must be signed up for in writing. 

  1. The cancellation conditions specified for the event in question will apply for each specific event. If no cancellation conditions have been specified for the event, FinRisk Training will charge 50% of the costs if the customer cancels its registration no later than 14 days before the start of the event. The full costs will be charged if cancellation takes place less than 14 days before the start of the event, in which respect the customer can always cancel its registration at no cost within 14 days of its registration. If the customer is unable to attend the event, the customer can appoint a replacement to attend the event at no cost.
  2. In the case of training cancellation and/or major changes (Price Increase, Date, Time, Location) will result in notification being sent out to the person who have purchased your class(es) and are entitled for a complete refund.
  3. FinRisk Training will always list a minimum number of participants when offering an Event. If this amount is not reached, FinRisk Training has the right to cancel the course in question no later than two business days before the start based on insufficient participants, without being required to pay any form of compensation to the customer.
  4. Course materials will exclusively be provided for personal use or use within the organisation of the customer and will never be used for commercial purposes.

Article 7 – Intellectual Property Rights

  1. All intellectual property rights, including, but not limited to, copyrights, model rights, database rights, trademarks, trade name rights, or patent rights, and any other rights to or related to the content and/or services and associated know-how will be held by FinRisk Training or its licensors.
  2. The customer may not fully or partially copy or publish content and/or services provided and/or made available to the customer by FinRisk Training without the prior written permission of FinRisk Training, unless and insofar as this is permitted pursuant to mandatory statutory rules.
  3. Nothing in the agreement or the conditions can be interpreted as the transfer of intellectual property rights related to the content and/or services.

Article 8 – Digital Content on Physical Carrier 

  1. The customer may not make digital content offered on a physical carrier publicly available, for example by selling it, offering it for sale, renting it out, or making it temporarily available.
  2. Insofar as any use based on copyrights of Digital Content can be invoked within the meaning of Article 12(b) of the Dutch Copyright Act, the Customer will have the right to make the provided copy publicly available, by way of deviation from the provisions of the first paragraph, if:
    1. it has obtained a right of use for an indefinite period from FinRisk Training with respect to the copy in question;
    1. it has paid FinRisk Training a fee which corresponds to the economic value of the copy;
    1. it transfers both its license and the copy itself and makes its own copy demonstrably unusable.
  3. The customer may never rent out digital content or make it temporarily available.

Article 9 – Privacy

  1. The parties will conclude a processor agreement insofar as FinRisk Training in the context of the provision of content and services processes personal data within the meaning of the General Data Protection Regulation (GDPR) in the capacity as processor as defined in the GDPR for the benefit of the Customer as the controller as defined in the GDPR. This processor agreement is an integral part of the agreement. 
  2. FinRisk Training can process personal data of employees or other persons subject to the immediate authority of the customer in the context of the customer relationship. This processing has been described in the privacy policy of FinRisk Training, which can be found on the website of FinRisk Training. The customer will ensure that these persons will be informed about this use.
  3. FinRisk Training will provide you access to certain FinRisk services, to conduct your business with FinRisk Training. In order to do this, FinRisk Training will request and may use your data with your consent. All data that you submit to FinRisk Training will be protected and used for business with FinRisk Training only such as:
    1. Development of User Profile
    2. Refund to Clients
    3. Training Result and Feedback Sessions for Users
    4. Communication with Users
    5. Provide Personalized Service for Users
    6. Data Analytics for Performance Measurement
    7. Client Payment Processing
    8. We will ask for your consent before using your information for a purpose that isn’t covered above.
  4. FinRisk Training may at times use your data (i.e. purchase behaviour) to create fit-for-purpose marketing and promotion

Article 10 – Termination of the Agreement

  1. FinRisk Training can fully or partially dissolve the agreement without notice of default or owing any form of compensation or payment if:
    1. the customer violates any intellectual property right on the content and/or service or the terms of Use;
    1. the bankruptcy of the customer is requested;
  2. The provisions of paragraph 1 of this article are without prejudice to termination pursuant to legal provisions.
  3. In case of termination of the agreement, all payments due to FinRisk Training by the customer will be immediately due and payable in full.
  4. Dissolution of the agreement will lead to the immediate termination of the rights of the customer related to the use of the content and/or service.  

Article 11 – Governing Law

This Terms of Use is governed and shall be construed in accordance with the laws of Kingdom of The Netherlands. Any dispute arising between customer and FinRisk Training shall be settled amicably. If such dispute cannot be settled amicably by deliberation, FinRisk Training and customer (you) agree that the dispute shall be settled with the mechanism governed under the prevailing laws and regulations.

Article 12 – Conclusion

  1. Customer and FinRisk training will perform any further act reasonably required to give effect to their obligations or preserve the rights to set out in this Terms and conditions.
  2. Whenever possible, each provision of this Terms & conditions shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision of this this Terms & conditions is held to be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of this this Terms & conditions.
  3. You acknowledge that You have had sufficient time to review the contents of this this Terms & conditions and seek legal advice, and that You fully understand the contents of this this Terms & conditions.