Terms & Conditions

Last updated: 2026

Welcome to Fiscovraag ("we," "us," or "our"). These Terms & Conditions ("Terms") govern your use of our website located at https://fiscovraag.com (the "Website") and the financial planning, budget allocation, and educational services we offer (the "Services"). By accessing or using our Website or Services, you agree to be bound by these Terms. If you disagree with any part of these terms, you must not access our Website or use our Services.

1. Information About Us

Fiscovraag is a financial education and planning consultancy registered in the Netherlands. We are committed to providing high-quality budget allocation strategies and financial literacy education.

• Company Name: Fiscovraag
• Address: Herepoortenplein 12, 9712 GD Groningen, Netherlands
• Email: [email protected]
• Phone: +31 70 408 90 20

2. Nature of Our Services

Fiscovraag provides educational content, financial coaching, and budget planning tools. Please note the following regarding the nature of our Services:

• Educational Purpose: The content provided on the Website and during consultations is for informational and educational purposes only.
• Not Legal or Tax Advice: While we discuss financial concepts, we are not a law firm or a certified tax advisory service. We do not provide legal advice or formal tax filings. For specific legal or tax concerns, you should consult a qualified professional in that jurisdiction.
• No Guarantees: While we strive for accuracy, we do not guarantee that financial strategies will result in specific profit or savings outcomes. Your financial results depend on your individual circumstances, economic factors, and your implementation of the advice.

3. User Accounts and Security

To access certain features of the Website, you may be required to create an account. You agree to the following responsibilities:

• Accuracy: You must provide accurate, current, and complete information during the registration process.
• Security: You are responsible for maintaining the confidentiality of your password and account details. You agree to notify us immediately of any unauthorized use of your account.
• Liability: Fiscovraag is not liable for any loss or damage arising from your failure to protect your account information.

4. Fees and Payment Terms

Some of our Services are offered on a paid subscription basis or as one-time consultancy fees.

• Payment: By subscribing to a Service, you agree to pay all applicable fees. Payments are processed securely via third-party payment processors.
• Refunds: Refunds are handled on a case-by-case basis. Please refer to our specific service agreement or contact [email protected] for refund inquiries. Generally, fees for services already rendered are non-refundable.
• Subscriptions: Subscriptions automatically renew unless cancelled in accordance with our cancellation policy. You may cancel your subscription at any time through your account settings or by contacting our support team.

5. Intellectual Property Rights

The content, features, and functionality of the Website, including but not limited to text, graphics, logos, images, software, and code, are the exclusive property of Fiscovraag and are protected by international copyright, trademark, and other intellectual property laws.

• License: We grant you a limited, non-exclusive, non-transferable license to access and use the Website for your personal or internal business purposes.
• Restrictions: You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as permitted by law.

6. User Conduct

You agree not to use the Website for any unlawful purpose or in any way that could damage the Website or impair its availability. Specifically, you agree not to:

• Use the Website to transmit spam, unsolicited commercial email, or viruses.
• Attempt to gain unauthorized access to our servers or user accounts.
• Interfere with or disrupt the Website or servers connected to the Website.
• Post content that is defamatory, obscene, or otherwise objectionable.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs the Website and informs users of our data collection practices. By using this Website, you consent to the processing of your data as described in our Privacy Policy.

As the data controller, Fiscovraag complies with the General Data Protection Regulation (GDPR) and other applicable data protection laws.

8. Limitation of Liability

To the fullest extent permitted by law, Fiscovraag, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors shall not be liable for:

• Any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of the service or any products procured using the service.
• Any bugs, viruses, trojan horses, or the like (regardless of the source of origination) that may be transmitted to or through our service by any third party.

9. Indemnification

You agree to defend, indemnify, and hold harmless Fiscovraag and our licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the service, by you or any person using your account and password; b) a breach of these terms; or c) Content posted on the service.

10. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us at [email protected].

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Netherlands, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms & Conditions on this page. Your continued use of the Website after the posting of revised Terms means that you accept and agree to the changes.

13. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

• By email: [email protected]
• By post: Fiscovraag, Herepoortenplein 12, 9712 GD Groningen, Netherlands
• By phone: +31 70 408 90 20