Terms & Conditions

a. FPCO
Refers to F4L-NL BV, a Dutch private limited liability company registered with the Dutch Chamber of Commerce (no. 75036800) and having its registered office in Amsterdam, the Netherlands. F4L-NL BV operates under various commercial brand names, including, inter alia, Access2Europe, Finance4Learning, and FutureProofingCo. References to “FPCO”, “we”, “us”, or “our” in these Terms shall be understood to refer to F4L-NL BV and its affiliated brand activities.

b. Client
Any individual, company, or organisation entering into an agreement or professional engagement with FPCO, including those relating to services delivered under, inter alia, its brands Access2Europe, Finance4Learning, or FutureProofingCo.

c. Services
All professional activities carried out by FPCO and its affiliated brands, including but not limited to business development and market-access initiatives; lead generation and financial-enablement solutions; AI-supported assessments and insights; training programmes, workshops, guest lectures, and speaking engagements; as well as related strategic, operational, or administrative support.

d. Third-Party Provider
Any external organisation or individual with whom FPCO collaborates or to whom activities may be subcontracted, including lenders, investors, technology partners, educators, event organisers, or other service providers.

These Terms apply to all professional engagements and transactions with FPCO, irrespective of the brand, business line, or nature of the service involved. Any deviating or supplementary terms shall only apply if expressly agreed in writing by FPCO.

a. General Provision
FPCO may, from time to time, expand or modify its service offering to reflect market developments, client needs, or strategic priorities. Any such additions or changes do not affect the applicability of these Terms unless otherwise specified.

b. Lead Generation & Market Engagement
FPCO engages with scaleups, educators, training providers, and startups by generating qualified leads and facilitating professional engagement. This includes, but is not limited to, the collection and exchange of information through online forms, self-assessments, meetings, correspondence, and events. Any outcomes derived from such interactions — including those supported by automated or AI-based systems — are indicative only and do not constitute advice or intermediation..

c. AI-Based Assessments
FPCO may provide or facilitate access to AI-based tools, including those offered by selected partners, to assess factors such as confidence, readiness, or suitability for specific learning or career pathways. These assessments are intended for informational and indicative purposes only and shall not be interpreted as professional, financial, or psychological advice.

d. Business Development & Strategic Services
FPCO works with organisations across industries and jurisdictions to deliver practical business development and strategic growth initiatives. This may include market access within, inter alia, Europe and Asia, restructuring, partnerships, mergers or acquisitions, transformation programmes, and related commercial services.

d. Training & Upskilling
FPCO delivers training and skills development programmes to individuals and organisations, either directly or through affiliated partners. These may include workshops, educational sessions, or other professional development activities, conducted independently or in cooperation with educational institutions and corporate clients.

a. General Provision
Fees (where applicable) are communicated in writing prior to the provision of services. Unless explicitly stated otherwise, all fees are quoted exclusive of applicable taxes, levies, or bank charges.

b. Payment Terms
Invoices are payable within fourteen (14) days from the invoice date, unless otherwise agreed in writing. Payment shall be made in the currency stated on the invoice to the account designated by FPCO.

c. Default & Late Payment
If payment is not received by the due date, the Client shall receive one formal reminder granting a fifteen-day (15) period to settle the outstanding amount. If payment remains overdue beyond this period, the Client shall be considered in default (in verzuim) without the need for further notice of default (ingebrekestelling).

d. Interest & Collection Costs
Upon default, statutory or contractual interest shall accrue at a rate of 1.5% per month on the outstanding balance, in addition to all collection costs incurred by FPCO. These may include extra-judicial collection fees, administrative expenses, and legal costs. Such costs shall amount to at least 10% of the total amount due, subject to a minimum of €450.

e. Remedies
If the overdue amount remains unpaid, FPCO reserves the right to transfer the claim to a debt collection agency, suspend or terminate services, and initiate legal recovery proceedings without further notice.

a. Ownership
All materials, technologies, and content provided by FPCO remain the intellectual property of FPCO or its licensors, unless explicitly transferred in writing. This includes, but is not limited to, proprietary software, AI-based tools, assessment technologies, methodologies, data models, course materials, and platform content created by or in collaboration with third-party partners.

b. Use and Restrictions
Any reproduction, adaptation, or distribution — in whole or in part — without prior written consent from FPCO is strictly prohibited.

c. Joint Creations
Where deliverables are jointly created with clients or partners, ownership and usage rights shall be determined by separate written agreement.

a. Restriction on Direct Engagement
Clients may not bypass FPCO to directly engage any third party introduced or facilitated through FPCO without prior written consent. This includes, but is not limited to, service providers, suppliers, consultants, or strategic partners.

b. Compensation for Disintermediation
If such disintermediation occurs during the term of the agreement or within 12 months following its termination, the Client shall be liable to compensate FPCO. A minimum compensation of €100,000 shall apply, irrespective of actual damages.

c. Reservation of Rights
This amount is without prejudice to FPCO’s right to claim higher compensation based on actual or projected commercial value, including lost revenue or commissions. FPCO reserves the right to enforce this clause vigorously to protect its legitimate business interests.

a. Third-Party Independence
FPCO is not responsible for any actions, omissions, or outcomes resulting from the conduct, offerings, or services of independent third parties.

b. Accuracy & Suitability
FPCO makes no guarantees regarding the suitability, accuracy, or reliability of external parties with whom a Client may engage, nor for any outcomes derived from such engagements.

c. Scope of Services
FPCO does not offer advisory services requiring specific authorisation or licensing and operates strictly within the scope of its commercial and professional activities.

FPCO aims to process personal and professional data in accordance with the General Data Protection Regulation (GDPR) and other applicable privacy laws.
Data collected through forms, assessments, or communications is used solely for legitimate business purposes such as lead qualification, client communication, and service delivery.

FPCO relies on reputable third-party providers — including, inter alia, HubSpot and Google — for the secure storage and management of data. Appropriate technical and organisational measures are in place to prevent unauthorised access, loss, or misuse.

For more information, please refer to FPCO’s Privacy Policy.

FPCO may communicate, publish, or otherwise share information, commentary, or materials through its websites, presentations, social-media channels, or other public platforms.
Such communications are intended for general informational and promotional purposes only and shall not be construed as professional advice, endorsement, or solicitation.

Unless expressly agreed in writing, FPCO retains full discretion over the nature and timing of any public content and may reference projects, sectors, or collaborations without disclosing confidential details.

These Terms shall be governed by and construed in accordance with Dutch law.
Any disputes arising out of or in connection with these Terms shall be submitted to the competent court in Amsterdam, the Netherlands, unless otherwise agreed in writing.

FPCO may amend or update these Terms from time to time to reflect changes in legislation, business operations, or service or product offerings. The most current version will always be available on FPCO’s website and shall supersede all previous versions as of its stated effective date.