Registered name: DEFINANCE vGmbH
Registered address: 1 rue Adolphe Omlor, 2262, Luxembourg, Luxembourg
Email: info@mediumseagreen-pelican-339044.hostingersite.com
Phone number: +352 691 133 652
RSC: B289825
Business permit: 10172147/0
VAT number: LU36076245
1. Introduction
These Terms and Conditions govern your use of DEFINANCE vGmbH’s financial education, coaching, and training services. By accessing our services, you agree to these terms.
These Terms and Conditions apply to individual consumers. Where services are provided to organisations or corporate clients, separate agreements or supplementary terms may apply.
2. Services
DEFINANCE vGmbH provides financial education, coaching, and training services to individuals and organisations. Services may be delivered online, in person, or in a hybrid format, and may include group programs, workshops, courses, one-to-one coaching, and bespoke corporate training.
The specific format, duration, and delivery method of services will be confirmed prior to commencement.
Clients may receive access to digital or physical resources as part of the services, which may include written materials, worksheets, tools, recordings, or other educational content. These materials are designed to support learning and understanding and may be provided before, during, or after sessions, depending on the format of services.
All materials are provided for personal, non-commercial use only and remain the intellectual property of DEFINANCE vGmbH. They may not be copied, shared, or distributed without prior written consent and are an integral part of services provided.
3. Communication
a. The primary language of DEFINANCE is English.
b. Communication is primarily via email.
c. The client accepts that communication is primarily via email at info@mediumseagreen-pelican-339044.hostingersite.com
d. The client accepts that they will provide an email address that can be used for communication and update as necessary.
4. Payments and Refunds
1. Payments are processed via ThriveCart and Stripe.
2. Invoices are available on request via email.
3. Payments are due in full before coaching services begin unless an instalment plan is agreed upon.
4. Instalment plans, where offered, will be clearly presented at the point of purchase or agreed in writing in advance.
5. Instalment payments must be made on time. Late payments may result in suspension of access to services.
6. By accepting the terms and conditions, there is an obligation to pay for services.
5. Right of Withdrawal
a. In accordance with Luxembourg consumer law, clients have the right to withdraw from the contract within 14 days of purchase without giving any reason.
b. To exercise this right, clients must notify DEFINANCE vGmbH by email at info@mediumseagreen-pelican-339044.hostingersite.com within the withdrawal period or can use the annexed form.
c. If the service has already commenced with the client’s consent, the right of withdrawal will no longer apply.
6. Client Responsibilities
Clients agree to:
1. Provide accurate and complete information when signing up for services.
2. Take responsibility for their own financial decisions based on coaching sessions.
3. Use the materials and services only for personal, non-commercial use.
4. Adhere to respectful communication in all interactions.
7. Precise Services
Clients will receive a confirmation of the services they have selected prior to the start of the program, including the session schedule, payment plan, and access details. This annex will be provided via email.
8. Dispute Resolution and Governing Law
1. These Terms and Conditions are governed by the laws of Luxembourg.
2. Any disputes arising from services shall first be attempted to be resolved amicably through mediation before legal action is taken.
3. If mediation fails, disputes shall be settled in the courts of Luxembourg.
9. Liability Disclaimer
Our coaching services provide educational guidance only. We do not provide regulated financial advice, and we are not liable for any financial decisions made by clients.
Our services do not constitute regulated financial, investment, tax, or legal advice, and no client relationship of adviser or fiduciary nature is created.
Where services are delivered in person, clients are responsible for their own travel, accommodation, and personal safety. DEFINANCE vGmbH is not liable for any loss, injury, or damage incurred in connection with such arrangements or outside the direct provision of services, except where required by law.
10. Intellectual Property
All content on our website and courses is the property of DEFINANCE vGmbH and may not be copied or distributed without permission.
11. Force Majeure
We shall not be liable for failure or delay in performing our obligations due to events beyond our reasonable control, including but not limited to natural disasters, power outages, cyberattacks, or government restrictions.
12. Data Protection
At DEFINANCE vGmbH, we are committed to protecting your privacy. This explains how we collect, use, and safeguard your personal data when you use our website and services.
12.1. Information We Collect
We may collect the following personal information:
1. Contact details (name, email address, phone number)
2. Payment details (processed securely via Stripe)
3. Billing address and tax-related information, where required for compliance purposes.
4. Information you provide during coaching sessions
5. Technical data (IP address, browser type, analytics data)
12.2. How We Use Your Information
We use your data for:
1. Providing financial education, coaching, and training services
2. Processing payments and managing instalments
3. Sending emails related to your coaching sessions or updates
4. Website analytics to improve user experience
12.3. Data Sharing & Third Parties
We do not sell your personal data. However, we may share it with:
1. Service providers (e.g., Stripe for payment processing, Google Analytics for website insights)
2. Legal authorities, if required by law
12.4. Your Rights
Under GDPR, you have the right to:
1. Access, correct, or delete your data
2. Withdraw consent for marketing communications
3. Lodge a complaint with a data protection authority
12.5. Data Retention
We retain personal data only for as long as necessary to provide services and comply with legal obligations.
13. Complaints Procedure
a. If you are dissatisfied with any aspect of our services, please contact us by email at info@mediumseagreen-pelican-339044.hostingersite.com.
b. We aim to resolve complaints promptly and will acknowledge receipt of your complaint within 5 business days.
c. We will investigate and respond to your complaint within 15 business days, providing you with a resolution or further steps.
d. If the matter remains unresolved, you may seek external mediation with https://mediateurconsommation.lu/en
14. Amendment Clause
a. DEFINANCE vGmbH reserves the right to amend these Terms and Conditions at any time.
b. Clients will be notified of any changes, and the updated version will be made available on our website.
c. Continued use of our services after any changes to the Terms and Conditions constitutes acceptance of the updated terms.
15. Contact
For questions regarding these terms, email us at:
info@mediumseagreen-pelican-339044.hostingersite.com