Terms and Conditions

General Terms and Conditions for Gold Pearl Finance EZ

Article 1: Definitions

• Provider: Gold Pearl Finance EZ, registered with the Dutch Chamber of Commerce (KvK) under number KvK-number 99560917.
• Client: Any natural person or legal entity that enters into an Agreement with the Provider for the provision of Services.
• Agreement: Any agreement between the Provider and the Client for the provision of Services.
• Services: All forms of financial literacy coaching, training, workshops, (online) programmes and related services provided by the Provider.
• Session: An individual coaching or training appointment (online or in person).

Article 2: Nature and Scope of Services

2.1 The Provider provides educational and coaching Services in the field of financial literacy, such as understanding personal finance concepts, and improving financial habits.

2.2 The Services are not individual financial product advice, investment advice, tax advice or legal advice. The Provider does not mediate in, recommend or sell specific financial products (such as mortgages, loans, insurance, investment products or pensions).

2.3 All information and guidance provided by the Provider is of a general and educational nature. The Client remains solely responsible for their own financial decisions and for obtaining independent professional advice from licensed advisers, tax specialists or lawyers where necessary.

Article 3: Applicability of these Terms

3.1 These Terms apply to every offer, quotation and Agreement between the Provider and the Client, unless the parties have explicitly agreed otherwise in writing.

3.2 If any provision of these Terms is void or annulled, the remaining provisions remain in full force. The parties will then agree to a new provision that approximates the intended provision as closely as possible.

Article 4: Offers, Quotations and Formation of the Agreement

4.1 All offers and quotations made by the Provider are without obligation, unless expressly stated otherwise.

4.2 An Agreement is concluded when:

• the Client explicitly accepts the offer or quotation in writing or electronically; or
• the Client books a Service (for example via an online booking system) and receives a written or electronic confirmation from the Provider.

4.3 Obvious mistakes or errors in an offer, quotation or on the website do not bind the Provider.

Article 5: Right of Withdrawal

5.2 To exercise this right of withdrawal, the Consumer must send a clear written or electronic statement to the Provider within the withdrawal period.

5.3 If the Consumer has requested that the Services commence during the withdrawal period, the Consumer shall pay for the part of the Services already performed up to the moment of withdrawal.

5.4 The right of withdrawal can be excluded for:

• fully performed Services, if the performance has begun with the explicit prior consent of the Consumer and with the acknowledgement that the right of withdrawal is lost once the Agreement has been fully performed;
• digital content not supplied on a tangible medium, as soon as the download or access has started with the Consumer’s prior consent and acknowledgement that the right of withdrawal is lost.

Article 6: Client Obligations

6.1 The Client shall: ensure a suitable environment and technical facilities for online Sessions.

6.2 The Client agrees to maintain confidentiality regarding all information of personal nature about other participants in group programmes or sessions.

Article 7: Conditions for Rescheduling and Cancellation For Individual Services

7.1 Sessions take place at the agreed time and location or at the agreed time via the agreed online platform.

7.2 The Client may reschedule or cancel a Session free of charge up to 24 hours before the scheduled time, by notifying the Provider in writing or electronically.

7.3 If the Client cancels or reschedules a Session later than 24 hours in advance, or does not attend the Session (no show), the Provider may charge the full fee for that Session.

7.4 If the Provider must cancel a Session due to illness or unforeseen circumstances, the Provider will inform the Client as soon as reasonably possible and propose a new date, or if that is not possible, refund any prepaid fees for that Session.

Article 8: Conditions for Rescheduling and Cancellation for Workshops and Group Lessons

8.1 Sessions take place at the agreed time and location or at the agreed time via the agreed online platform.

8.2 If the Client cancels, reschedules, or does not attend the Session (no show), the Provider may charge the full fee for that Session.

8.3 For workshops or group lesson, specific conditions (such as minimum participant numbers, payment deadlines, and cancellation terms) may apply, which will be communicated prior to registration and form part of the Agreement.

8.4 The Provider is entitled to change the programme, trainer, date, time or location of a group activity if necessary. In such case, the Client has the right to cancel participation free of charge if the changes are substantial and unacceptable to the Client.

Article 9: Fees, Invoicing, and Payment

9.1 The applicable fees are stated in the offer or quotation by the Provider, and are in Euros, unless explicitly stated otherwise.

9.2 The Provider may adjust the fees periodically. Fee changes will not apply to ongoing Agreements or Agreements already concluded, unless expressly agreed.

9.3 Unless otherwise agreed in writing:

• payment is due in advance of the Session, programme or start date; or
• payment must be made within 7 days after the invoice date.

9.4 If the Client does not pay on time, the Client is in default by operation of law and statutory (commercial) interest may be charged from the due date, without prior notice.

9.5 All reasonable extrajudicial collection costs incurred by the Provider as a result of the Client’s failure to comply with payment obligations shall be borne by the Client, in accordance with the applicable Dutch rules on collection costs.

9.6 The Provider may suspend the performance of Services if the Client fails to meet payment obligations, without prejudice to the Provider right to payment.

Article 10: Duration and Termination of the Agreement

10.1 Unless otherwise agreed, the Agreement is entered into for the duration of the specific Service, programme or package.

10.2 Each party may terminate an Agreement of indefinite duration in writing with due observance of a notice period of 14 days, unless otherwise agreed.

10.3 Either party may terminate the Agreement with immediate effect, without intervention, if:

• the other party is in serious breach of its obligations and fails to remedy such breach within a reasonable period after written notice of default; or
• the other party is declared bankrupt or granted suspension of payments, or when a winding-up of that party is applied for or ordered.

Article 11: Confidentiality

11.1 The Provider will treat all information about the Client that is of a confidential nature with due care and will not disclose it to third parties, except:

• where disclosure is required by law or a court order;
• where necessary for proper performance of the Services (for example, to subcontractors) and those third parties are bound by confidentiality.

Article 12: Liability

12.1 The Services provided are on a best-efforts basis. The Provider does not guarantee that participation in the Services will lead to specific financial results, outcomes or improvements.

12.2 The Client remains at all times responsible for decisions regarding their own finances, contracts and investments, and for obtaining independent professional advice where necessary.

12.3 The Provider is never liable for consequential damage, lost profits, lost savings, or damages resulting from decisions taken by the Client on the basis of the Services.

12.4 Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is not permitted under mandatory law.

Article 13: Force Majeure

13.1 The Provider is not obliged to fulfil any obligation if prevented from doing so by force majeure (overmacht), including but not limited to: illness of the Provider or key staff, power outages, internet disruptions, pandemics, government measures, or other events beyond the reasonable control of the Provider.

13.2 In case of force majeure, the performance of the Agreement will be suspended. If the situation of force majeure lasts longer than 30 days, each party is entitled to dissolve the Agreement in writing, without obligation to pay damages.

Article 14: Complaints and Disputes

14.1 If the Client has a complaint about the Services or about the Provider, the Client must report this in writing or electronically as soon as possible, describing the complaint clearly and completely.

14.2 The Provider will respond to the complaint within a reasonable period, with the aim of reaching a solution in consultation with the Client.

Article 15: Applicable Law

15.1 These Terms are governed by Dutch law.

Article 16: Amendments

16.1 The Provider reserves the right to amend these Terms from time to time. The amended Terms will be filed with the Chamber of Commerce and published on the Gold Pearl Finance EZ official website and will apply to new Agreements from the date of filing.

16.2 For ongoing Agreements with Consumers, changes will only take effect after the Consumer has been properly informed and has not objected within a reasonable period, or has continued to use the Services after that period.