Terms of Service

BY VISITING THIS SITE AND/OR PURCHASING A PRODUCT THROUGH THIS SITE, YOU AGREE TO THE TERMS & CONDITIONS BELOW.

PLEASE READ AND UNDERSTAND THEM BEFORE BROWSING THE SITE AND/OR FINALIZING YOUR PURCHASE

The Site, Products and their Content are owned by ASK Enterprises OÜ.

1. Definitions

In these T&Cs, the following words and expressions have the following meanings:

Company means ASK Enterprises OÜ, an Estonian incorporated company with company registration no. 16261576.

Client means the person Purchasing and Using the Product

Content means any and all written, visual, video, or audio information contained on www.anoukknuffmann.com, inside a Product, deliverable or shared via any of Company’s social media profiles or emails

Parties mean the Client and the Company

Product means an Online Course, Live Group Program or Private Coaching (as defined in Clause 5) Purchased by the Client from the Company. “Product” also means Services to be performed by the Company and as detailed in a separate Client Service Agreement between Company and Client if relevant

Purchase means any Product paid for by the Client

Site means www.anoukknuffmann.com

T&Cs means the Terms and Conditions set out below

Use means participating, reading, implementing, trying, or otherwise engaging in or with the Products

2. Introduction

Anouk Knuffmann is the owner and founder of ASK Enterprises OÜ, a company that provides:

1. Women with financial education to help them gain confidence and peace of mind related to money, mindset and investing.

The Company makes the Product available to the Client via various online platforms with additional support being offered through private messaging apps and online meetings.

The details of the Products are further detailed in Clause 5, a separate Client Service Agreement (if relevant) and on the checkout and/or sales pages provided to the Client, as it is made available, from the date of Purchase.

The Company reserves the right to substitute Products comparable or equal to the value of the Product or terminate access to the Product under the current circumstances as determined by the Company.

2. Term and Termination

These T&Cs enter into force from the date of initial Purchase and continue in force as long as the Parties are working together as further detailed in Clause 3.1 and 3.2 (the “Term”).]

3.1. Online Course

The Company grants the Client lifetime access to its Online Courses (as defined in Clause 5.1). These T&Cs remain in force for as long as the Company provides access to the Online Course or until the Company decides it is reasonable to substitute Online Courses comparable or equal to the value of the Online Course or terminate access to the Online Courses under the current circumstances as determined by the Company, with the exception of Clause 11, which survives the Term of these T&Cs.

3.2. Live Group Programs and Private Coaching

The term of Live Group Programs and Private Coaching (as defined in Clause 5.2) is agreed between the Parties separately.

The Parties have no ongoing relationship after the conclusion of a Live Group Program or Private Coaching. Any extension of the Term requires prior written agreement between the Parties.

The Client may not terminate the Live Group Program or Private Coaching before the end of the Term.

The Company may terminate the Live Group Program or Private Coaching for any reason before the end of the Term provided that the Company issues a refund to the Client for any unused portion of the Live Group Program or Private Coaching.

4. Disclaimer

4.1. By Purchasing and Using the Product, the Client understands that Anouk Knuffmann and the Company is a money and investing coach, and they are not an attorney, accountant, financial advisor, certified financial planner, licensed professional in the financial services industry or any other licensed or registered professional.

4.2. The Product includes financial coaching services and is for informational and educational purposes only. The information provided in the Product, Content, on the Site, or through any other communication channels is intended to assist the Client in improving its financial literacy and making informed financial decisions. The information and education provided in the Product, Content, on the Site, or through any communication channels is not intended or implied to supplement or replace the professional advice of an attorney, accountant, tax advisor, and/or financial advisor and as such does not constitute legal, financial, tax or financial planning advice. The Client should consult with a professional in matters pertaining to legal, accounting, tax and financial advice in person to discuss issues or questions relating to the Client's particular legal, accounting, tax financial, or business situation. All decisions that the Client makes regarding its finances are at its own discretion and risk.

4.3. The Company’s role as a money and investing coach is to educate its clients on how to start and manage their own investments. The Company does not make any specific recommendations to any investments. The Company’s focus is solely on educating the Client on managing their money and building wealth through investing.

4.4. Although the Company does its best to make sure all of the Content inside the Product is up to date and/or accurate, the Company does not make any representation that all the information is accurate or free of errors at all times. The Company does not assume any responsibility for accuracy of the Product’s information, or its safety or efficacy as it applies to the Client’s business.

4.5. The disclaimer set out in this Clause 4 applies to Company’s Site, Content, Newsletter, Products and all social media channels, including but not limited to Instagram (@anoukknuffmann) and LinkedIn (Anouk Knuffmann).

5. Product Specifics

5.1. Online Courses

The Company offers online courses and masterclasses with pre-recorded videos, e-books, workbooks and different digital products (“Online Courses”) to the Client which will be released at some time after agreeing to the T&Cs and paying for the access.

The Client receives a link via email to access the Online Courses.

Online Courses may be supplemented by access to Live Group Programs, Private Coaching, online meetings and/or messaging support.

5.2. Live Group Programs and Private Coaching

The Company offers group coaching sessions in the form of access to online meetings and/or messaging support to the Client (“Live Group Programs”).

The Company offers individual coaching sessions in the form of online meetings and/or messaging support to the Client (“Private Coaching”).

The Company will communicate the frequency of coaching calls, the level of support and availability separately to the Client.

The Parties will enter into a separate written agreement (called a “Client Services Agreement”) to cover the details of Private Coaching offered by Company to Client.

Live Group Programs or Private Coaching may be supplemented by access to Online Courses.

6. Client Responsibilities

The Client agrees to the following when Purchasing and Using the Product:

(i) The Client acknowledges that the Company does not guarantee the Client’s goals, whatever the goals may be, will be reached by completing and implementing the advice and techniques in the Product. The Client accepts and agrees that it is fully responsible for its results from the Product. The Client further acknowledges that the effort and energy it puts into the collaboration will largely determine the outcomes that the Client experiences.

(ii) The Client agrees to be on time and participate fully in the coaching calls and watch the videos in the Online Courses, and any other part of the Products, to the best of its ability, e.g. collaborate with the Company to identify desired outcomes, complete agreed-upon homework assignments and perform follow-up activities on its own.

(iii) If the Client is unable to keep an appointment inside a Private Coaching session it agrees to provide a 48-hour notice to the Company. The Client can reschedule its appointment via email at [email protected]. If the Client cancels an appointment with less than 48 hours’ notice, the appointment will be removed from the total amount of sessions Purchased.

(iv) The Client agrees to immediately inform the Company of any issues or difficulties it may have with the Product.

(v) The Client agrees to complete payment for the Product as set out in these T&Cs and/or the Client Services Agreement.

6.1. Assumption of Risk

The Client acknowledges that, as with any investment, there is an inherent risk associated which could include losing all capital. The Client is liable for the final investment decisions it makes. The Client acknowledges that it takes part in this risk and releases Anouk Knuffmann and the Company from any liability for any investment decisions made by the Client. The Company does not manage investments on behalf of the Client and the Client is solely responsible for its finances, including managing its own investments.

The Client agrees to use its best judgment in applying the information provided in the Product, which is done at the Client’s own risk. It is the responsibility of the Client to discern the risk of using the Product and/or its Content and the Client assumes responsibility for its actions, choices, or lack thereof, related to the Product.

As such, the Client agrees that there is no guarantee that the Client will attain its goals simply by watching and/or using any of the videos in the Product and/or attending group or private coaching sessions.

The Company does not guarantee the success of any financial strategies or decisions made by the Client as a result of Using the Product, the Content or the Site. As with any coaching services, the Client’s results and financial outcomes may vary and are dependent on various factors, including but not limited to the Client’s individual circumstances, life experience, motivation, commitment, starting point, expertise, financial goals, and market conditions, over which the Company has no control.

Nevertheless, the Client acknowledges that it can optimize its potential results from the Product by adhering to the following:

(i) Completion of and meaningful engagement with all Product material, including learning videos, workbooks, exercises and coaching sessions etc.;

(ii) Taking full responsibility for the Client’s results before, during and after Using the Product; and

(iii) As part of the Product, the Client also provides feedback at the sole discretion of the Company, including but not limited to a survey or informational interviews, so that the Company can better tailor the Product and Content for future clients.

6.2. No Sharing

The Client is prohibited from

(i) distributing, copying, forwarding, reproducing, duplicating, trading, selling or otherwise sharing the Product, its Content or any portion thereof with any third party.

(ii) sharing its links, passwords or login information to a Product with any third party who did not Purchase the Product.

Any breach of this Clause 6.2 will result in the Client being removed from the Product immediately and no refund will be issued.

The Company also reserves the right to pursue the breach legally to the fullest extent permitted by law.

7. Payment

7.1. Payment Terms

The Client authorizes and allows the Company to charge the Client’s credit or debit card for the amount owed for payment of the Product when the Client pays for the Product by credit or debit card.

As part of the Purchase procedure, the Client acknowledges that its credit card details and contact information may be collected by the third-party merchant Stripe (depending on the payment method chosen by the Client at checkout).

The Client also acknowledges that the relevant third-party merchant may have privacy policies or security practices that are different from those of the Company and that Company is not responsible for the merchant’s independent policies or practices. Payments for Private Coaching are due on or before the due date agreed between the Client and the Company. Late payments will not be accepted.

The Company will send the Client an email with instructions on how to make immediate payment if a payment is not made on or before the due dates agreed between the Parties.

The Company will not perform any additional coaching for the Client until payment is completed and the Client’s access to any client portal and/or Content may be removed until payment is made.

7.2. Payment Plan Terms and Failed Payment Procedures

The Client authorizes and allows the Company to automatically charge the Client’s credit card, debit card, or PayPal account as payment for the Product when the Client Purchases the Product via a payment plan at checkout (“Payment Plan”).

The Client will receive an electronic receipt, at the time and interval in which payment is due without any additional authorization needed.

The Company will not contact the Client to seek any additional authorization before charging each installment of the Payment Plan.

By choosing the Payment Plan, the Client agrees and understands that all payment installments are owed in full. No refund requests or stop payments will be granted or accepted.

7.2.1. Failed Payment Procedure

By signing up for the Payment Plan, the Client’s card will automatically be re-charged as set out in the agreed Payment Plan. Please plan accordingly.

If the Client’s payment-plan payment fails on the first attempt:

If the Client’s Payment Plan payment is not successfully made on the due date, the credit card will automatically be re-charged after a 2 day grace period to complete the payment for the Product.

If the Client’s card was accidentally not updated or available to be processed at the time the Company attempted the initial charge, the Client will have that 2 day grace period to update its card information without any penalty or losing access to the Product.

If the Client’s payment-plan payment fails on the second attempt:

The Client’s access to the Product will be temporarily suspended and the Client will not be able to access the Product at all until it successfully completes its payment. The Company will attempt to re-charge the Client’s credit card in 2 days.

If the Client’s payment-plan payment fails on the third attempt:

The Client’s access will still be suspended, pending successful completion of the Client’s owed late payment. In 2 days, the Company will attempt to charge the Client’s card.

If the Client’s payment-plan payment fails on the fourth and final attempt:

The fourth attempt is the final attempt to collect the Client’s payment before the matter is forwarded to collections. If the fourth payment fails, the Client will be permanently removed from the Product and no refund will be given.

When choosing the Payment Plan options, the Client consents to being responsible for all payments owed for the Product.

8. Refund Policy:

8.1. No Refunds

The Client is responsible for the full payment for the Product regardless of whether the Client completes or Uses the Product fully. The Company will do everything within its ability and within reason to ensure the Client’s satisfaction with the Product. The Company expects that the Client will do the same. Due to the downloadable nature of Online Courses, refunds will not be issued for Online Courses once it is Purchased.

Refunds will also not be issued for coaching sessions already conducted inside Live Group Programs and/or Private Coaching. If, for any reason, the Company is unable to fulfill its obligations regarding coaching sessions to the Client, the Client will be refunded in full for any part of the Product paid for but not rendered.

If the Client has any questions or concerns, or if there is anything the Company can do to make the Client’s experience a more pleasant one, please email Anouk Knuffmann at [email protected].

8.2. No Chargebacks

The Client will not, under any circumstances, issue or threaten to issue any chargebacks to the Company or to the Client’s credit card and/or form of payment, e.g. Stripe for any reason whatsoever related to the Product.

In the event of a chargeback, the Company reserves its right to report it to the credit bureaus as a delinquent account.

9. Limitation of Liability

To the fullest extent permitted by law, the Company expressly disclaims liability for any indirect and/or consequential damages, including but not limited to financial losses suffered by the Client related to its investments or its Purchase or Use of the Product, its Content, the Company’s Site, or any other information obtained by the Client from the Company.

By enrolling in the Product, the Client agrees to this limitation of liability and releases the Company from any and all claims.

The Company does not assume liability for damages, harm or misuse of (or failure to properly use) the Product or its Content, due to any act, or failure to act, by the Client. In no event shall the Company be liable to the Client for any indirect, special, exemplary, punitive or consequential damages.

10. Indemnification

The Client agrees to indemnify, defend and hold harmless the Company, its subsidiaries, employees, agents, contractors, subcontractors, shareholders, directors, officers, coaches, assignees, licensees, and affiliates from and against any and all claims, losses, expenses, fees, suits, actions, charges, demands, liabilities, damages, judgments, and/or costs that may be asserted against the Company by any third parties that results from, is related to or arises out of the Client’s Purchase or Use of the Product, the Client’s acts and/or omissions or the Client’s breach of any obligation, warranty, covenant, or representation set forth in these T&Cs.

By Purchasing and Using the Product, the Client agrees to release the Company from any and all claims, and further agrees to at all times defend, indemnify, and hold harmless the Company as stated in this Clause 10.

11. Intellectual Property Rights

Anouk Knuffmann and the Company own the intellectual property rights to the Products, Site and their Content. Intellectual property owned by the Company also includes, but is not limited to: videos, audio files, workbooks, content prompts, trademarks, service marks, trade secrets, layout, logos, business names, course/program/module names, design, text, written copy, certain images, podcast recordings, article templates and all of the Company’s paid products (collectively “Intellectual Property”).

The Client is prohibited from using the Company’s Intellectual Property as part of any direct or indirect sale of Client’s own products or services without Company’s prior written consent.

Unauthorized Use of the Intellectual Property may lead to legal action, including but not limited to infringement and/or theft claims, to recover damages and protect the Company’s Intellectual Property rights. The Company reserves the right to take action against the Client, their representatives, contractors, employees, or the like for any improper Use of its Intellectual Property.

Any breaches of this Clause 11 will be legally pursued to the fullest extent permitted by law.

11.1 Limited License

By accessing the Site, Purchasing and/or Using a Product, Company grants the Client a limited, personal, non-exclusive and non-transferable license to Use the Intellectual Property and the Client becomes a “Licensee”.

As a Licensee, the Client recognizes that Anouk Knuffmann and the Company have invested a substantial amount of time, money and effort to create the Site, Products and Content and that these represent a significant value to the Company.

The Client agrees to refrain from any improper Use of the Site, Products or Content, including any Use that constitutes a violation of these T&Cs, Company’s Privacy Notices or applicable law.

The Client understands that the Product is for its individual Use only.

If the Client operates a business in a similar industry as the Company, the Client agrees to refrain from (i) teaching its own clients any of the Products or Content owned by the Company and delivering it as if it was the Client’s own Product or Content, (ii) copying, selling or creating derivative works from any of the Products or Content for the Client’s commercial use, or otherwise misusing any of the Products, Content or Intellectual Property contained therein fully or partly without the Company’s prior written consent.

12. Confidential Information

These T&Cs are considered a mutual non-disclosure agreement. Both Parties agree not to disclose, reveal or make use of any information learned by either Party throughout the Term and after the expiration or termination of these T&Cs for any reason.

Confidential Information includes, but is not limited to, information disclosed in connection with these T&Cs, and shall not include information rightfully obtained from a third party (“Confidential Information”).

Both Parties agree to keep all Confidential Information strictly confidential by using a reasonable degree of care, but not less than the degree of care used by it in safeguarding its own Confidential Information.

The obligation of the Parties under this Clause 12 to hold the Confidential Information confidential does not apply to information that is subsequently acquired by either Party from a third party who has a bona fide right to make such information available without restriction.

12.1. Permitted Disclosure

Notwithstanding the above, the Parties may disclose Confidential Information to the extent necessary as required by law, a court of competent jurisdiction, and/or any governmental authority or agency. Where permitted by law or legally permissible, the Parties agree to disclose a request for information in writing to the other prior to disclosure.

13. Testimonials

13.1. Release of the Client’s Testimonials

The Client gives the Company permission to use any communication, wins, screenshots, or testimonials related to the Client's Use of the Product for promotional and marketing purposes on social media, advertisements, the Site, and with future clients.

The Client will not receive any form of compensation for use of the testimonials.

The Company will do its best to protect the Client's identity unless the Client expressly allows the Company to share its name or identity.

13.2. Testimonial Disclaimer

Client testimonials in any form whether from current or past clients of the Company are solely illustrative.

The testimonials do not guarantee that the Client will achieve similar results. Individual circumstances vary, and no guarantee is made that the Client will obtain the same results or outcomes as those mentioned in the testimonials or obtained by other Company clients.

The Company does not guarantee any specific financial or commercial outcomes based on the Client’s Use of the Product. The Company is not liable or responsible in any way for the Client’s success or failure in regards to its health, finances, income, investments, business, sales, or any other results arising from the Client's Use of the Product.

13.3. DISCLAIMER - No Warranties, Guarantees, or Representations Are Being Made:

The Company does not offer any representations, guarantees, or warranties, of any variety, regarding the Product in any way including, but not limited to, the Client’s health, income, wealth, sales, profitability, or losses derived as a result of the Client’s Use of the Product.

The Product is offered “AS IS” and without representations, guarantees, or warranties of any kind, including but not limited to, implied warranties of merchantability and fitness for a particular purpose, neither express nor implied, to the extent permitted by law. The Company is not liable for damages of any kind related to the Client’s Use of the Product.

14. Data Protection

14.1. Personally-identifying Information

Should the Client choose to share its personally-identifying information with the Company, the Client acknowledges and understands that the Company will take reasonable measures to protect that personally-identifying information, such as not sharing the Client’s personally-identifying information with anyone else. The Client acknowledges that the Company is not responsible or liable for any of its service providers’ breaches in data security and/or privacy protections.

14.2. Privacy Notice

Please refer to the Company’s Privacy Notice available on the Company’s Site www.anoukknuffmann.com

for information on how the Company collects, uses and discloses information from its clients. The Client acknowledges and agrees that its Use of the Product is subject to the Company’s Privacy Notice.

14.3. Links to Third Party Websites or Resources

The Product may contain links to third-party websites or resources. The Company provides these links only as a convenience and is not responsible for the content, products or services on or available from those websites or resources or links displayed on such websites. The Client acknowledges sole responsibility for and assumes all risk arising from use of any third-party websites or resources. The Company is not responsible for the way these third-party websites or resources handle Client’s personal information, whether they have a privacy notice or any information Client provides to them by visiting their website. The Client is responsible for reading and agreeing to, or disagreeing with, the external website’s privacy notice.

14.4. Recording Sessions

The Company will advise the Client in writing in advance of any sessions if their session(s) will be recorded for any reason. The Client may not record any sessions with the Company without the Company’s prior written consent.

15. Governing Law and Venue

15.1. Governing Law

These T&Cs and any non-contractual obligations arising out of or in connection with them will be governed by the laws of Estonia without regard to the conflict of law provisions.

15.2. Venue

In the event of any dispute, claim or controversy arising out of or in connection with these T&Cs, or any non-contractual obligations arising out of or in connection with it, the Parties shall try to settle any such dispute, claim or controversy amicably on a good faith basis. Any complaint or issue arising as result of the Client’s Use of the Product should be directed via email to Anouk Knuffmann at [email protected].

If the Parties are unable to solve the dispute within reasonable time, the Parties agree that the dispute shall be brought before the courts of Tallinn, Estonia.

16. Miscellaneous

16.1. Amendments

The Company reserves the right to amend these T&Cs from time to time. Any amendments will be communicated to the Client in writing.

16.2. Severability

If any portion of these T&Cs is held to be unenforceable, it shall not affect the remaining portions of these T&Cs, which shall remain in full effect. The unenforceable portion shall be construed in compliance with applicable law in a light most favorable to the original intentions of the Parties. If the unenforceable portion of these T&Cs is found by a competent court of this jurisdiction to be contrary to law, then it shall be changed and interpreted to best reflect the original intentions of the Parties, and all other provisions shall remain in full force and effect.

16.3. Force Majeure

In the event that any circumstances beyond or not within the reasonable control of the Parties, including, but not limited to: an act of God, fire, explosion, earthquake, flood, tsunami, drought, tidal waves, hurricanes, pandemic, hostilities, war, invasion, curtailment or interruption of transport, threats or acts of terrorism, governmental travel advisory or warning, labor strike or civil disturbance, make it inadvisable, illegal, or impossible, either because of unreasonable increased costs or risk of injury, for either Party to perform its obligations under these T&Cs, the affected Party’s performance shall be extended without liability for the period of delay or inability to perform due to such circumstances.

16.4. Entire Agreement

These T&Cs together with the Client Service Agreement (if relevant) reflect the entire agreement between the Client and the Company and trump any other existing negotiations, communications or agreements between the Parties, whether written, oral, or electronic, and are the full extent of the agreement between the Parties.

16.5. All Rights Reserved

All rights not expressly granted in these T&Cs are reserved by the Company.

By Purchasing and/or Using the Product, the Client implicitly signifies its agreement to all of the terms in these T&Cs.

If the Client has any questions about the T&Cs, please contact Anouk Knuffmann at

[email protected].

Thank you.

Last updated April 2024