Terms and Conditions
Welcome to Roch Digital Advice! These Terms and Conditions ("Terms") govern your use of the website located at www.rochdigitaladvice.com (the "Website") and the purchase and use of the business courses and related services offered by Roch Digital Advice.Please read these Terms carefully before accessing or using our Website or purchasing any courses. By accessing or using any part of the Website or purchasing any course, you agree to be bound by these Terms. If you do not agree to all the Terms, then you may not access the Website or use any services.
1. Definitions
2. Acceptance of TermsBy accessing and using our Website or purchasing any Course, you confirm that you are at least 18 years of age or accessing the Website under the supervision of a parent or guardian, and you agree to comply with and be bound by these Terms, our Privacy Policy, and our Cookie Policy, which are incorporated herein by reference.
3. Course Purchase and Access3.1. Course Descriptions: We strive to ensure that all Course descriptions, pricing, and availability are accurate. However, errors may occur. If we discover an error in the price or description of a Course you have ordered, we will inform you as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it.3.2. Order Process: To purchase a Course, you will follow the online purchasing process on the Website. This typically involves selecting the Course(s), adding them to your cart, providing billing and contact information, and making payment.3.3. Confirmation: Upon successful completion of your purchase and payment, you will receive an order confirmation email. This email will serve as your proof of purchase and will provide instructions on how to access your purchased Course(s).3.4. Access to Courses: Access to digital Courses is generally granted immediately upon successful payment confirmation. In rare cases, there might be a delay due to technical issues, in which case we will endeavor to resolve it promptly. You will typically access your Courses through your user account on the Website.3.5. License: When you purchase a Course, you are granted a non-exclusive, non-transferable, revocable license to access and use the Course Content for your personal, non-commercial use only. You may not share, resell, distribute, or otherwise exploit the Course Content for any commercial purpose without our express written permission.
4. Pricing and Payment4.1. Pricing: All prices for Courses are listed in Euros (€) and include Belgian VAT (if applicable), unless otherwise stated. We reserve the right to change Course prices at any time without prior notice. However, the price you pay will be the price displayed at the time of your purchase.4.2. Payment Methods: We accept various payment methods as indicated on the Website (e.g., credit cards, debit cards, PayPal). All payments are processed securely by third-party payment processors. We do not store your full payment card details on our servers.4.3. Failed Payments: In case of a failed payment, your access to the Course(s) may be suspended until full payment is received.
5. Right of Withdrawal (Cooling-off Period) - Applicable to Consumers5.1. Digital Content (Courses): In accordance with Belgian and EU consumer protection law (Directive 2011/83/EU on consumer rights), consumers generally have a right of withdrawal of 14 calendar days for online purchases.**HOWEVER, FOR DIGITAL CONTENT (like our Courses) NOT SUPPLIED ON A TANGIBLE MEDIUM (e.g., a DVD), THE RIGHT OF WITHDRAWAL IS EXTINGUISHED IF:*** **You explicitly consented to the immediate performance of the contract (i.e., immediate access to the Course) at the time of purchase.*** **You acknowledged that by doing so, you would lose your right of withdrawal.**By proceeding with the purchase of a Course and gaining immediate access, you explicitly consent to the immediate commencement of the digital content delivery and acknowledge that you thereby lose your right of withdrawal.5.2. Refunds in Case of Technical Issues:If you experience significant technical issues preventing you from accessing a Course and we are unable to resolve them within a reasonable timeframe, you may be eligible for a refund. Please contact our support team at [Your Support Email Address] to report any such issues.
6. User Accounts (Not yet applicable)6.1. Account Creation: To purchase and access Courses, you may be required to create an Account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.6.2. Account Security: You are responsible for maintaining the confidentiality of your Account login credentials (username and password) and for all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation.6.3. Account Termination: We reserve the right to suspend or terminate your Account and refuse any and all current or future use of the Website and Courses if you provide information that is untrue, inaccurate, not current, or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, or if you violate these Terms.
7. Intellectual Property7.1. Ownership: All Content on the Website and within the Courses, including text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of Roch Digital Advice or its content suppliers and is protected by Belgian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.7.2. Limited License: Your purchase of a Course grants you a limited, non-exclusive, non-transferable, revocable license to use the Course Content for your personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Content, except as necessary for your personal use of the Course.7.3. Prohibited Actions: You must not: * Modify copies of any materials from the Courses. * Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text. * Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. * Access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
8. User Conduct8.1. Acceptable Use: You agree to use the Website and Courses only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website and Courses.8.2. Prohibited Conduct: You agree not to: * Upload, post, transmit, or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable. * Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity. * Upload, post, transmit, or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships. * Upload, post, transmit, or otherwise make available any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation. * Upload, post, transmit, or otherwise make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment. * Interfere with or disrupt the Website or servers or networks connected to the Website. * Attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any Roch Digital Advice server, or to any of the services offered on or through the Website, by hacking, password "mining," or any other illegitimate means.
9. Disclaimer of Warranties9.1. "As Is" Basis: The Website and all Courses and Content provided through it are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.9.2. No Guarantee of Results: Roch Digital Advice does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the Courses will meet your specific requirements, expectations, or achieve any particular business or personal results. The application of strategies and advice from our Courses is dependent on individual circumstances and efforts, and we cannot guarantee success.9.3. Professional Advice: The Courses offered by Roch Digital Advice are for educational and informational purposes only and are not intended to be a substitute for professional financial, legal, business, or other advice. You should consult with appropriate professionals for advice tailored to your specific situation.
10. Limitation of Liability10.1. General Limitation: To the fullest extent permitted by Belgian law, in no event shall Roch Digital Advice, its affiliates, directors, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website or Courses; (ii) any conduct or content of any third party on the Website; (iii) any content obtained from the Website or Courses; and (iv) unauthorised access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.10.2. Maximum Liability: In no event shall the total aggregate liability of Roch Digital Advice to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to negligence, or otherwise) arising from your use of the Website or Courses exceed the amount paid by you for the specific Course(s) giving rise to the claim in the twelve (12) months preceding the claim.
11. IndemnificationYou agree to indemnify, defend, and hold harmless Roch Digital Advice, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website or Courses, including, but not limited to, any use of the Website's Content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Website.
12. Third-Party LinksThe Website may contain links to third-party websites or services that are not owned or controlled by Roch Digital Advice. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Roch Digital Advice shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
13. Governing Law and JurisdictionThese Terms shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions.Any dispute, controversy, or claim arising out of or in connection with these Terms, including the breach, termination, or validity thereof, shall be submitted to the exclusive jurisdiction of the competent courts of Antwerp, Belgium.
14. SeverabilityIf any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. The invalid or unenforceable provision shall be replaced by a valid and enforceable provision that most closely approximates the intent and economic effect of the invalid or unenforceable provision.
15. Entire AgreementThese Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Roch Digital Advice regarding your use of the Website and purchase of Courses, superseding any prior agreements between you and Roch Digital Advice regarding the Website.
16. Changes to TermsWe reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website or purchase Courses after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.
17. Contact InformationIf you have any questions about these Terms, please contact us:Roch Digital Advice, Sneeuwbeslaan 13, Antwerp, Belgium. Contact: please use the Contact us form on the website.
Last Updated: May 20, 2025