Terms and Conditions

These General Terms and Conditions (hereinafter "T&Cs") govern the contractual relationship between:

Hereinafter referred to as "the Provider", and any natural person acting for professional purposes or any legal entity subscribing to its services, hereinafter referred to as "the Client".

The purpose of these T&Cs is to define the conditions under which the Provider supplies the Client with services of financial advisory, business planning, financial structuring, steering, reporting and dashboards (hereinafter "the Services"), excluding any regulated activity falling within the scope of financial intermediation or investment advisory under the Act of 2 August 2002.

The Provider does not carry out any activity regulated by the FSMA and does not provide investment advice, asset management, or insurance / credit brokerage.

The T&Cs apply to any order, accepted quote or subscription, and prevail over any purchase conditions of the Client, except for express written derogation by the Provider.

The Services are exclusively intended for professionals (self-employed persons, companies, associations, institutions). The Provider does not contract with consumers within the meaning of Article I.1, 2° of the Belgian Code of Economic Law.

The contract is formed:

• either by the signing of a quote or engagement letter issued by the Provider;
• or by online subscription to a subscription via the client portal, validated by explicit acceptance of these T&Cs.

Any acceptance entails unreserved adherence to these T&Cs as well as to the description of the service or chosen subscription pack.

The Services are offered as monthly subscription packs whose content, deliverables and current price are described on the /offers page of the site and in the quote or purchase order sent to the Client.

The Provider reserves the right to change the content of the packs, subject to a written notice of at least thirty (30) days to the Client. Any substantial reduction (removal of a major deliverable) opens for the Client a right of immediate termination without compensation, to be exercised within fifteen (15) days of the notification.

5.1. Initial term and renewal

The subscription is taken out for a firm initial term of twelve (12) months from the activation date of the client account or the first service.

At the end of this period, the subscription is automatically renewed for successive periods of twelve (12) months, unless terminated by either party by written notice (email to alardinoitbs@gmail.com or registered mail) at least two (2) months before the expiry date.

5.2. Early termination by the Client

The Client may terminate their subscription before the end of the current period subject to payment of a termination fee, calculated as follows:

This fee is due within thirty (30) days from the notification of termination. It covers investments, time spent on onboarding, the implementation of the tools and the immobilisation of the Provider's resources.

Exception: no fee is due in case of termination for serious and uncorrected breach by the Provider (see 5.4) or in case of substantial reduction of the pack (see article 4).

5.3. Termination by the Provider

The Provider may terminate the subscription with immediate effect, without compensation for the Client, in case of:

• non-payment of an invoice after a formal notice that has remained without effect for fifteen (15) days;
• serious breach by the Client of their obligations (failure to provide necessary documents, abusive behaviour, damage to the Provider's reputation);
• collective proceedings opened against the Client (bankruptcy, judicial reorganisation).

5.4. Termination for breach

Either party may terminate the contract in case of serious breach by the other party, not corrected within thirty (30) days following a written formal notice detailing the breach. This termination is without prejudice to any damages.

6.1. Prices

Prices are indicated in euros, excluding Belgian VAT of 21% (unless applicable exemption). The current rates are those published on the site at the date of subscription or mentioned in the accepted quote.

The Provider may revise its rates once a year, on the anniversary date of the contract, subject to a written notice of sixty (60) days. An increase greater than the health index + 3% opens for the Client a right of termination without compensation, to be exercised within thirty (30) days of the notification.

6.2. Invoicing and payment

Subscriptions are invoiced monthly in arrears, by bank transfer or SEPA direct debit. Invoices are payable within thirty (30) days of the invoice date, unless otherwise stipulated.

6.3. Late payment

In accordance with the Belgian Act of 2 August 2002 on combating late payment in commercial transactions, any unpaid amount on the due date automatically and without formal notice generates:

• late payment interest at the legal rate in force (ECB rate + 8 percentage points);
• a fixed compensation of €40 for recovery costs, without prejudice to the right to claim compensation for actually incurred costs;
• a penalty clause set at 10% of the unpaid amount, with a minimum of €150.

In case of persistent non-payment, the Provider reserves the right to suspend access to the client portal and to deliverables until full settlement, without this suspension exempting the Client from paying the monthly amounts due.

The Client undertakes to:

• provide the Provider, within the agreed deadlines, with all documents, information and access necessary for the proper performance of the Services (in particular accounting extracts, banking data, Excel spreadsheets);
• guarantee the accuracy and completeness of the information transmitted;
• designate a single contact person with decision-making power;
• use the client portal in accordance with its purpose and not attempt to access it by fraudulent means;
• respect the confidentiality of the credentials provided.

The Provider cannot be held responsible for delays or the quality of deliverables resulting from the Client's failure to comply with these obligations.

8.1. Best endeavours obligation

The Provider undertakes to perform the Services with diligence and professionalism, under a best endeavours obligation and not a results obligation. It does not guarantee the achievement of any specific economic, financial or tax result.

The analyses, recommendations and dashboards provided constitute decision support and not a substitute for the Client's own responsibility in the management of their company. Any investment, financing or management decision remains under the sole responsibility of the Client.

8.2. Analyses generated by artificial intelligence

Certain analyses, comments, scores, alerts and summaries provided in the Client portal are produced, in whole or in part, by generative artificial intelligence models (notably Anthropic's Claude). These productions are based on the figures communicated by the Client and on validation rules aiming to prevent the generation of fabricated figures.

AI-generated content is a reading and decision-support aid. It does not constitute accounting, tax, legal or investment advice within the meaning of the Belgian Act of 2 August 2002, nor does it constitute an attestation of the fairness of the accounts within the meaning of Belgian accounting law. The Client acknowledges that these analyses must, where applicable, be validated by their accountant, auditor or usual advisor before any official communication, statutory filing or material decision.

The Provider implements automated controls aimed at detecting and blocking figures absent from the Client's source data. However, despite these controls, the Provider cannot guarantee the total absence of error, inaccuracy or bias in AI-generated content. The Client is invited to report any anomaly noticed.

The Provider's liability is strictly limited to direct, material and proven damages, excluding any indirect damage (loss of revenue, loss of clientele, image damage, data loss).

In any event, the Provider's cumulative liability over a contractual year is capped at the amount excluding VAT actually paid by the Client during the twelve (12) months preceding the triggering event.

No limitation or exclusion of liability applies in case of fraud, gross negligence, or harm to life or physical integrity.

The methodologies, financial models, dashboard templates, source code and tools developed by the Provider remain its exclusive property. The Client benefits from a personal, non-exclusive and non-transferable user licence, limited to the duration of the contract and the specific needs of their company.

Nominative deliverables produced for the Client (reports, customised dashboards) are transferred to them upon full payment, for internal use. Any reproduction, distribution to third parties or commercial exploitation is prohibited without written authorisation.

11.1. Confidentiality

Each party undertakes to treat as strictly confidential all information received from the other party, and to disclose it only to persons strictly necessary for the performance of the Services. This obligation survives the end of the contract for five (5) years.

11.2. Personal data (GDPR)

The Provider processes the Client's personal data in accordance with Regulation (EU) 2016/679 (GDPR) and the Belgian Act of 30 July 2018. The processing arrangements are detailed in the Privacy Policy available on the site, which forms an integral part of these T&Cs.

In the context of the Services, the Provider may act as a processor within the meaning of Article 28 GDPR for certain data processed via the client portal. A Data Processing Agreement (DPA) is made available upon request.

Neither party may be held responsible for a breach resulting from a case of force majeure within the meaning of Belgian case law (natural disaster, armed conflict, declared pandemic, massive cyberattack, decision by a public authority preventing performance). The prevented party shall notify the other without delay. If the case of force majeure persists for more than sixty (60) days, either party may terminate the contract without compensation.

13.1. Modification of the T&Cs

The Provider may modify these T&Cs at any time. Modifications are notified to the Client by email at least thirty (30) days before their entry into force. In case of refusal, the Client may terminate their subscription without compensation within this same period.

13.2. Partial nullity

If a clause of these T&Cs is declared null or unenforceable, the other clauses retain their full effect.

13.3. No waiver

The fact that the Provider does not invoke a clause does not constitute a waiver of the right to invoke it later.

13.4. Assignment

The Client may not assign the contract to a third party without prior written agreement of the Provider. The Provider may assign the contract in the context of a restructuring, merger or transfer of activity.

These T&Cs are governed by Belgian law, excluding rules of conflict of laws.

Any dispute relating to their interpretation or performance shall be submitted to a prior conciliation attempt between the parties within thirty (30) days. Failing agreement, the dispute shall be brought before the Walloon Brabant Enterprise Court (Nivelles seat), which shall have sole jurisdiction.

The parties may also resort to mediation organised by bMediation or to any other form of amicable settlement.