General Terms and Conditions Moorman B.V.

Online Shop Terms and Conditions

Article 1 - Definitions

In these terms and conditions, the following definitions shall apply:

1. Entrepreneur: the natural or legal person offering products to consumers at a distance: Ralph Moorman;
2. Consumer: the natural person not acting in the exercise of a profession or business who enters into a distance contract with the entrepreneur;
3. Remote agreement: an agreement whereby, within the framework of a system organised by the trader for the distance sale of products, up to and including the conclusion of the agreement, exclusive use is made of one or more techniques for distance communication;
4. Remote communication technology: means that can be used to conclude an agreement, without the consumer and entrepreneur having come together in the same room at the same time;
5. Reflection period: the period within which the consumer can exercise his right of withdrawal;
6. Right of withdrawal: the possibility for the consumer to waive the distance contract within the cooling-off period;
7. Bye: calendar day;

Article 2 - Identity of the entrepreneur

Moorman B.V.
Opening hours: Monday to Thursday from 10.00 to 12.00
E-mail address: info@ralphmoorman.nl
Chamber of Commerce number: 60504757
VAT no: NL8539.39.949B01

Article 3 - Applicability

1. These general terms and conditions apply to every offer made by the entrepreneur and to every distance contract concluded between the entrepreneur and consumers.
2. Before finalising the order, one must agree to the terms and conditions.

Article 4 - The offer

1. If an offer has a limited period of validity or is made subject to conditions, this will be stated in the offer.
2. The offer contains a complete and accurate description of the products on offer. Obvious mistakes or errors in the offer do not bind the entrepreneur.
3. Each offer contains such information that it is clear to the consumer what the rights and obligations are, which are attached to the acceptance of the offer. This concerns in particular:

• the price including taxes;
• any delivery costs;
• the manner in which the agreement will be concluded and what actions are necessary to do so;
• the applicability of the right of withdrawal;
• the method of payment, delivery or performance of the agreement;
• the way in which the consumer can become aware of acts not wanted by him before the conclusion of the contract and the way in which he can rectify them before the contract is concluded;

Article 5 - The agreement

1. Subject to the provisions of Article 4, the agreement is concluded at the moment the consumer accepts the offer and fulfils the conditions set out therein.
2. If the consumer has accepted the offer electronically, the trader shall immediately confirm receipt of acceptance of the offer electronically. Until receipt of this acceptance is confirmed, the consumer may dissolve the contract.
3. If the agreement is concluded electronically, the entrepreneur shall take appropriate technical and organisational measures to protect the electronic transfer of data and shall ensure a secure web environment. If the consumer can pay electronically, the entrepreneur will observe appropriate security measures.
4. An order process that, for whatever reason, is technically or otherwise interrupted before the payment instructions have been fully executed is considered incomplete, even if the customer has received an order confirmation. Consequently, such an order will in principle not be executed.
5. The entrepreneur may - within legal frameworks - inform himself whether the consumer can meet his payment obligations, as well as of all those facts and factors that are important for a responsible conclusion of the remote agreement. If, on the basis of this investigation, the entrepreneur has good grounds not to enter into the agreement, he is entitled to refuse an order or application or to attach special conditions to the implementation, while stating reasons.
6. The operator will provide the following information with the product to the consumer, in such a way that it can be found and seen by the consumer in an accessible way:

a. the visiting address of the trader's establishment to which the consumer can address complaints;
b. the conditions under which and the way in which the consumer can make use of the right of withdrawal, or a clear statement concerning the exclusion of the right of withdrawal;
c. the information on existing after-sales services and guarantees;
d. the data included in article 4 paragraph 3 of these conditions, unless the entrepreneur has already provided the consumer with these data before the execution of the agreement;

Article 6 - Right of withdrawal on delivery of products

1. When purchasing products, the consumer has the option of dissolving the agreement without giving reasons for seven working days. This period starts the day after receipt of the product by or on behalf of the consumer.

2. During this period, the consumer shall handle the product and its packaging with care. He shall only unpack or use the product to the extent necessary to assess whether he wishes to keep the product. If he exercises his right of withdrawal, he will return the product to the trader with all delivered accessories and - if reasonably possible - in the original condition and packaging, in accordance with the reasonable and clear instructions provided by the trader.

Article 7 - Costs in case of withdrawal

1. If the consumer exercises his right of withdrawal, at most the costs of return shipment will be at his expense.
2. If the consumer has paid an amount, the operator will refund this amount as soon as possible, but no later than 30 days after the return or withdrawal.

Article 8 - Exclusion of the right of withdrawal

1. If the consumer does not have a right of withdrawal, this can only be excluded by the trader if the trader clearly stated this in the offer, at least in good time before concluding the contract.
2. Exclusion of the right of withdrawal is only possible for products:

a) created by the trader in accordance with the consumer's specifications;
(b) that are clearly personal in nature;
(c) which, by their nature, cannot be returned;
(d) which spoil or age quickly;
e) whose price is subject to fluctuations in the financial market over which the entrepreneur has no influence;
(f) for single newspapers and magazines;
g) for audio and video recordings and computer software whose seals have been broken by the consumer. 

Article 9 - The price

1. During the validity period stated in the offer, the prices of the products offered will not be increased, except for price changes due to changes in VAT rates.
2. Notwithstanding the previous paragraph, the entrepreneur may offer products whose prices are subject to fluctuations in the financial market and over which the entrepreneur has no influence, with variable prices. This link to fluctuations and the fact that any prices mentioned are target prices shall be stated with the offer.
3. Price increases within 3 months of the conclusion of the agreement are only allowed if they result from legal regulations or provisions.
4. Price increases from 3 months after the conclusion of the contract are only allowed if the entrepreneur has stipulated it and:

(a) they result from statutory regulations or provisions; or

(b) the consumer has the power to terminate the agreement by the day on which the price increase takes effect.

1. The prices listed in the product offerings include VAT. On the checkout overview in the web shop, VAT is listed separately but not calculated additionally, it is already included in the price.

Article 10 - Conformity and Warranty

1. The entrepreneur guarantees that the products comply with the agreement, the specifications mentioned in the offer, the reasonable requirements of soundness and/or usability and the existing legal provisions and/or government regulations on the date of the conclusion of the agreement.
2. An arrangement offered by the trader as a guarantee does not affect the rights and claims that the consumer can assert against the trader in respect of a shortcoming in the trader's obligations under the law and/or the distance contract.

Article 11 - Delivery and execution

1. The entrepreneur will take the greatest possible care when receiving and executing orders for products and when assessing requests for the provision of services.
2. The place of delivery is the address that the consumer has made known to the company.
3. Subject to what is stated in article 4 of these general terms and conditions, the company will execute accepted orders with convenient speed but at the latest within 30 days unless a longer delivery period was agreed. If delivery is delayed, or if an order cannot or can only be partially carried out, the consumer will be informed about this at the latest one month after the order was placed. In that case, the consumer has the right to dissolve the agreement without costs and the right to possible damages.
4. In case of dissolution in accordance with the previous paragraph, the entrepreneur will refund the amount paid by the consumer as soon as possible, but at the latest within 30 days after dissolution.
5. If delivery of an ordered product turns out to be impossible, the entrepreneur will make an effort to provide a replacement article. At the latest upon delivery, it will be reported in a clear and comprehensible manner that a replacement article is being delivered. With replacement articles, the right of withdrawal cannot be excluded. The costs of return shipment shall be borne by the entrepreneur.
6. The risk of damage and/or loss of products rests with the entrepreneur until the moment of delivery to the consumer, unless explicitly agreed otherwise.

Article 12 - Payment

1. Insofar as not agreed later, the amounts owed by the consumer should be paid within 14 days after delivery of the good or, in the case of an agreement to provide a service, within 14 days after delivery of the documents relating to this agreement.
2. Payment must be made in advance. The consumer may not assert any rights regarding the execution of the respective order or service(s) before the stipulated advance payment has been made.
3. The consumer has the duty to immediately report inaccuracies in payment details provided or mentioned to the entrepreneur.
4. In case of non-payment by the consumer, subject to legal restrictions, the entrepreneur has the right to charge the reasonable costs made known to the consumer in advance.

Article 13 - Complaints procedure

1. The operator has a sufficiently publicised complaints procedure and handles complaints in accordance with this complaints procedure. Namely: Complaints mail to info@ralphmoorman.com Within 14 days, the consumer will be contacted by mail.
2. Complaints on the performance of the agreement/ defects of the product must be submitted to the entrepreneur within 7 days of shipment, fully and clearly described.
3. Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeably longer processing time, the entrepreneur will respond within the 14-day period with a notice of receipt and an indication of when the consumer can expect a more detailed answer.

 INSTITUTE 

General Terms and Conditions for Private Education for Consumers

Article 1 - Definitions

Subscription: An arrangement whereby a one-off or recurring payment is made, entitling the subscriber to unlimited access to a range of learning resources for a specified period.

Distance learning: A form of education in which the teacher and you are not physically present at the same time.

Face-to-face teaching: A form of teaching involving direct interaction between a teacher or trainer and a student or course participant.

Educational service: The provision of education, education and/or training, and/or the supply of teaching materials, and/or the organisation of (partial) examinations and/or an EVC programme, and/or any other form of assessment.

EVC: Competences acquired through previous work experience or training courses. EVCs are determined through assessments and can lead to shortened (accelerated) training programmes.

Formal education: Education that is regulated by specific education legislation and leads to a formal qualification, i.e. a legally recognised qualification.

Non-formal education: Education that is not regulated by specific education legislation.

Education: Education, training, courses and/or programmes, including distance learning, face-to-face teaching and subscription-based learning.

Agreement An agreement as referred to in Article 2(1).

Distance contract: A contract concluded between the trader and you within the framework of an organised system for the distance sale of products, digital content and/or services, whereby, up to and including the conclusion of the contract, use is made exclusively of one or more means of distance communication.

Set-up costs: The costs incurred in advance by a training provider in connection with the performance of the study agreement. A training provider always incurs set-up costs on your behalf. These costs include: administrative costs, IT costs, marketing costs, staff costs; hire of a training venue; sending out and following up on documents to be submitted or provided by the student, including the study agreement; where applicable, administering an entrance test and/or conducting an intake interview; planning and organising group allocations, timetables, and the recruitment and scheduling of tutors; providing specific guidance and information; distributing information materials; administrative processing of enrolment; setting up student files; setting up and configuring student accounts in the online learning environment; preparations for and delivery of any induction programme; related expenses such as postage, online licence fees, costs for entrance tests, information material, etc. Or other costs, insofar as an education provider can substantiate them.

U: A natural person who is not acting in the course of a profession or business and who purchases an educational service from the trader.

Article 2 – Applicability

1. These General Terms and Conditions apply to all agreements between the provider and you relating to an educational service, whether concerning formal or non-formal education.

2. If the trader also uses other (sector-specific) general terms and conditions, and those terms and conditions have not been drawn up in consultation with consumer organisations, then those terms and conditions shall not apply to the contract. This does not apply if they contain provisions which are not covered by these general terms and conditions. All documents form part of the contract, but there must be no conflict between them. Examples include the provisions set out in the Education and Examination Regulations (OER), the education contract or the enrolment form. In the event of any conflict, the provision most favourable to you shall apply. However, the provider may always deviate from these general terms and conditions in your favour. If only (partial) examinations, EVC programmes or other forms of assessment are offered, the provisions in Articles 3(3)(b), 5(1), 8(1), 8(2)(b) and 9(1) shall not apply. If only (partial) examinations are offered, the provisions in Article 5(1) and paragraphs 3 to 7 shall not apply.

3. The trader may also use other general terms and conditions drawn up in consultation with one or more consumer organisations. In that case, the disputes committee referred to in Article 16 shall determine which terms and conditions apply to the contract on the basis of what the parties agreed in this regard when the contract was concluded.

Article 3 – Offer

1. The trader shall make the offer (preferably) in writing or electronically.

2. The offer contains a full and accurate description of the educational service and/or the teaching materials that form part of the educational service. The offer also states whether the use of these teaching materials is compulsory.

3. Every offer must contain sufficient information to make it clear to you what rights and obligations are attached to the acceptance of the offer. The offer must, in any event, state the following details in a clear and comprehensible manner:

a. in the case of a contract relating to an educational service:

• the manner in which the contract is to be performed;
• when the educational service begins;
• the circumstances under which the educational service may be cancelled;
• where applicable: the entry requirements for admission to the course;
• the price, including all additional costs and taxes;
• the method of payment;
• the term of the agreement,

b. or, in the case of a contract relating to the purchase of teaching materials:

• the price, including all additional costs and taxes;
• the method of payment, delivery of the teaching materials and/or performance of the contract;
• the delivery time for the teaching materials.

4. These general terms and conditions are expressly brought to your attention prior to the conclusion of the contract and form an integral part of the information provided by the trader.

5. The trader may make the making of an offer and/or the acceptance of an order subject to the condition that you provide personal data and, if and to the extent that government regulations so require and/or permit, you provide a copy of a valid passport or a valid identity card.

6. Without prejudice to the provisions of paragraphs 1 to 5, the offer in the case of a distance contract shall also include the following information:

a. the identity and address of the trader, including the visiting address of the trader’s premises;

b. your right to withdraw from the contract within fourteen days in accordance with Article 5(5) and (6);

c. if additional charges are made for contacting the trader by telephone or online: the amount of the applicable rate;

d. the period of validity of the offer.

Article 4 – Agreement

1. The contract is concluded upon your acceptance of the offer. Once the contract has been concluded, you will receive confirmation of this in writing or by electronic means.

2. If you place an order electronically, the trader will send you an electronic confirmation; you may cancel the order as long as the trader has not confirmed receipt of an electronically accepted order.

3. Once a distance contract has been concluded, the information referred to in Article 3(3) and (6) shall be provided in writing or on another durable medium available to you and accessible to you.

Article 5 – Cancellation and (early) termination of the contract

1. You may cancel or terminate a fixed-term contract at any time. Cancellations must be submitted in writing by email to info@dehormoonfactor.nl. The date on which the email is received shall be deemed the cancellation date. The provider will send you confirmation of this. In the case of an agreement for face-to-face tuition with a fixed start date, the following cancellation and early termination provisions apply once any cooling-off period has expired. You will then be required to pay reasonable compensation for work already carried out, including the set-up costs. For the sake of clarity, you will find below an overview of these costs as a percentage of the agreed price. These percentages represent the maximum compensation payable. If the reasonable compensation payable is lower, you will be charged a lower amount. The amount of the compensation will be substantiated by the contractor at your request:

The course is shorter than one academic year:

• Cancellation up to 2 months before the start date: 10% of the agreed price, less the cost of any study materials not yet received*
• Cancellation between 2 months and 1 month before the start date: 20% of the agreed price, less the cost of any study materials not yet received*
• Cancellation between 1 month and 2 weeks before the start date: 30% of the agreed price, less the cost of any study materials not yet received*
• Cancellation less than 2 weeks before the start date: 50% of the agreed price, less the cost of any study materials not yet received*
• Early termination: In the event of early termination, 50% (as set-up costs) of the agreed price, less the value of any study materials not yet received, plus the costs of the tuition already received, regardless of whether you attended these sessions. The total costs will never exceed the agreed price. In principle, the costs of the tuition already received are determined as follows:
  • For courses running throughout the year: the costs are calculated on a pro rata basis according to the number of months/days the course has been attended, including the current month.
  • For courses organised in blocks: the cost of the completed blocks/modules plus the cost of the module(s) or block(s) being undertaken at the time of early withdrawal.

2. Cancellation before the course has started, or in the event of early termination, must be made in writing or electronically;

3. Where an agreement relates solely to an (partial) examination or an EVC programme, the following cancellation policy applies once any cooling-off period has expired:

(a) Cancellation prior to the start must be made in writing or electronically;

b) if you cancel up to six weeks before the start date, you will be liable for an administration fee of up to €50. For so-called computer-based exams, this deadline is two weeks before the start date;

c) in the event of subsequent cancellation, you will be liable for the full agreed price. Unless the reasonable compensation for the work already carried out is lower, in which case you will be charged this lower amount. The amount of the compensation will be substantiated by the trader at your request.

4. In the case of distance learning, once the contract has been concluded and the cooling-off period has expired, cancellation is possible; however, you remain obliged to pay the agreed price in full. Unless the reasonable compensation for work already carried out is lower, in which case you will be charged this lower amount. The amount of the fee will be substantiated by the provider at your request. Subscription-based courses may be cancelled free of charge after the agreed subscription period, in the event of automatic renewal, subject to a notice period of no more than one month.

5. For a period of fourteen days following the conclusion of a distance contract relating to an educational service, you have the right to withdraw from the contract without giving any reason. If the trader has not provided all the information required by law, including that referred to in Article 3(6), this period shall be fourteen days from the date on which such information is subsequently provided, up to a maximum of twelve months from the conclusion of the contract.

6. In the case of a distance contract that primarily relates to the purchase of teaching materials, you have a period of fourteen days within which you may withdraw from the contract without giving any reason. This period begins on the day following the day on which you receive the teaching materials. However, if the teaching materials are supplied periodically – such as in the case of regular updates to syllabuses or book packages supplied annually or per semester – the cooling-off period of fourteen days begins on the first day following receipt of the first set of teaching materials. If the trader has not provided all the information required by law, including that referred to in Article 3(6), these periods shall be fourteen days from the date on which the information is subsequently provided, up to a maximum of twelve months after receipt of the teaching materials.

7. The trader will provide you with a form for the aforementioned termination of the contract. You are not obliged to use this form for that purpose.

8. Subject to the provisions of paragraph 9, in the event of termination in accordance with paragraphs 5 and 6, you are entitled to a refund, free of charge, of any sums you have already paid. The trader shall make the refund as soon as possible and in any event within fourteen days of the termination.

9. In the event of termination in accordance with paragraphs 5 and 6, you must return any course materials received from the trader to the trader as soon as possible. The trader is entitled to charge you for the direct costs of returning the materials. The return is at your own risk. Course materials supplied on an electronic data carrier where the packaging seal has been broken cannot be returned, and you must pay the full price to the trader.

10. If you exercise the right of termination set out in paragraphs 5 and 6, any supplementary loan agreement entered into by the trader with you as a payment arrangement shall be terminated by operation of law, without you being liable to pay any penalty.

11. The educational service may only commence during the cooling-off period at your express request. In such cases, you retain the right to withdraw from the contract in accordance with paragraph 2. If, in such a case, you withdraw from the contract within the cooling-off period, you will owe the trader a proportionate part of the price of the educational service.

12. If the educational service is provided predominantly via an electronic (learning) environment, the right to withdraw from the contract ceases upon commencement of the educational service, provided that:

a. you have expressly agreed in advance that performance may commence before the end of the withdrawal period and that you declare that you waive your right of withdrawal, and

b. the trader has confirmed to you the statement referred to in sub-paragraph a.

Article 6 – Copyright

The course materials provided are intended solely for personal use. All items supplied by the provider, such as books, mock exams, course handbooks and software, are subject to copyright held by the provider or third parties. The materials referred to in this clause may not be reproduced, published and/or otherwise made available to third parties or provided to third parties without the provider’s express prior consent, either during the course of the training programme or thereafter. Nor is it permitted to publish the material in an altered form or to use it under one’s own name without the provider’s written consent. The copyright and ownership rights to the course rest entirely with the provider.

Article 7 – Price changes

1. If a price change occurs within three months of the conclusion of the contract but before the start of the educational service, this will not affect the agreed price.

2. You are entitled to terminate the contract if the price is increased three months after the contract has been concluded, but before the educational service begins.

3. Paragraphs 1 and 2 do not apply to price changes resulting from legislation.

Article 8 – Delivery

1. Teaching materials

a. The trader shall deliver the teaching materials to you in good time. ‘Delivery in good time’ shall also be understood to mean the timely provision of access to teaching materials that are made available electronically.

b. When purchasing teaching materials without teaching services, the maximum delivery time is 30 days, unless otherwise agreed. If this delivery time is exceeded, you may terminate the contract without further notice of default.

c. The trader will replace any incorrect or damaged teaching materials immediately, at no cost to you.

2. Correction work

a. You will be informed of the timeframe within which submitted assignments or tests will be marked.

b. The time at which corrections are returned must be reasonably proportionate to the start of the next stage of the course or, where applicable, a resit.

Article 9 – Conformity and breach of contract

1. The educational service and the teaching materials provided must meet your reasonable expectations. If you fail to fulfil your obligations, the trader is entitled to suspend the fulfilment of their obligations. If the trader fails to fulfil their obligations, you may suspend the fulfilment of your obligations. In the event of partial or improper performance, suspension is only permitted to the extent that the failure justifies it.

2. The trader is entitled to withhold payment (retention) if you fail to fulfil a due and payable obligation, unless the failure does not justify such withholding.

3. If one of the parties fails to perform the contract, the other party is entitled to terminate the contract, unless the breach is of such minor significance that termination would not be justified.

Article 10 – Payment

1. Payment shall be made by crediting the amount due to a bank account specified by the trader at the time of purchase or delivery, or by means of electronic payment methods recognised by banks. Cash payment is also possible by arrangement.

2. If payment by instalments has been agreed, you must – subject to the provisions of paragraph 3 – pay in accordance with the instalments and percentages set out in the agreement.

3. Payment for the educational service must be made before the course begins. The trader may require you to pay the full amount no later than 10 working days before the start date of the educational service, as referred to in Article 3(3)(a).

4. When purchasing teaching materials without any teaching services, payment must be made no later than at the time and place of delivery. The trader may require you to pay in advance up to half of the purchase price.

Article 11 – Late payment

You will be in default from the expiry of the payment deadline. After that date has passed, the trader will send you a payment reminder free of charge and give you the opportunity to make the payment within 14 days of receiving this reminder.

(a) If you fail to meet your payment obligation(s) on time, the trader will send you a reminder. You will then have a further 14 days to pay.

b) If you have not paid by the end of this period, the trader is entitled to charge statutory interest on the outstanding amount, as well as extrajudicial debt collection costs.

c) These collection charges are capped at: 15% on outstanding amounts up to €2,500; 10% on the next €2,500 and 5% on the following €5,000, subject to a minimum of €40.

(d) The trader may deviate from the aforementioned amounts and percentages in your favour.

Article 12 – Suspension

Whilst a complaint or dispute is being dealt with in accordance with the provisions of Articles 15 and 16, the trader shall suspend the charging of interest and collection costs.

Article 13 – Liability of the trader

Insofar as the trader is at fault and you suffer loss as a result, the trader’s liability for loss that does not result from personal injury, death or damage to property is limited to compensation for direct loss. The contractor’s liability for personal injury, death or damage to property is neither excluded nor limited. This liability extends to persons employed by the contractor or to persons appointed by the contractor to perform the contract.

Article 14 – Confidentiality

Any information you provide will be treated as confidential by the business owner, their staff and/or persons working on their behalf. The business owner complies with the applicable data protection legislation.

Article 15 – Enquiries and complaints

1. The provider intends to respond to the enquiry or complaint as soon as possible and to the customer’s full satisfaction. The entrepreneur can be contacted by telephone or email regarding enquiries or complaints of an administrative nature or concerning the content of the course. The entrepreneur will respond to such enquiries or complaints within ten working days of the date of receipt. Enquiries or complaints that require a longer processing time will be acknowledged by the provider immediately, with a confirmation of receipt and an indication of when you can expect a reply.

2. The trader will, of course, do everything possible to prevent any errors in your study pack and its dispatch. Should there nevertheless be a problem, please report it within ten days of receiving the package. A complaint must be submitted to the trader in a timely, complete and clearly described manner. Complaints not submitted within two months will not be accepted. If the complaint cannot be resolved by mutual agreement, a dispute arises which is subject to the dispute resolution procedure set out in Article 16.

Article 16 – Dispute Resolution

1. The contract shall be governed by Dutch law, unless the law of another country applies by virtue of mandatory provisions.

2. Disputes between you and the trader concerning the formation or performance of contracts relating to services and goods to be supplied or supplied by that trader may be referred to the Disputes Committee for Private Educational Institutions by either you or the trader; further information can be found at: www.degeschillencommissie.nl.

3. The Disputes Committee will only consider a dispute if you have first lodged the complaint with the trader in accordance with the provisions of Article 15 and this has not led to a solution satisfactory to both parties.

4. A dispute must be brought before the Disputes Committee within twelve months of the complaint being lodged in accordance with the provisions of Article 15.

5. A fee is payable for the handling of a dispute.

6. When you refer a dispute to the Disputes Committee, the trader is bound by this decision.

7. If the trader wishes to refer a dispute to the Disputes Committee, they must first ask you in writing to state, within 5 weeks, whether you agree to this. The trader must also state that, once the aforementioned period has expired, they are free to refer the dispute to the ordinary courts.

8. The Disputes Committee shall give its ruling in accordance with the provisions of the regulations applicable to it. The Disputes Committee’s decision shall take the form of a binding opinion.

9. The provisions set out in paragraphs 2 to 8 of this article shall not apply in those cases where formal education provides for a binding statutory dispute resolution mechanism, such as that relating to student examinations.

Article 17 – Performance Guarantee

Should the Hormoonfactor Institute be held liable and the student fail to meet their payment obligations, the Hormoonfactor Institute will engage the bailiff JURISTU.

Article 18 – Amendment

The Hormoonfactor Institute may amend these Terms and Conditions.