Terms of Use for the services offered by Aguilar Knowledge Company (FIRE Belgium, Sebastien Aguilar)

Aguilar Knowledge Company is the commercial name of Sebastien Aguilar's educational activities, registered at Belgian Crossroads Bank Enterprises under the number 0759.455.560.

The services offered by Aguilar Knowledge Company include:

1. Index investing Online Course, which consists of:

2. Cohort-based index investing program, which consists of:

3. 1-on-1 consultations, which consists of:

By accepting these Terms of Use, the client agrees to enroll in one of the services described above and pay to Aguilar Knowledge Company the price for the services as disclosed at the time of sale. 

The payment is preferably done via Credit Card on the website: https://academy.firebelgium.com/users/checkout/auth, otherwise by bank transfer to Aguilar Knowledge Company bank account IBAN BE50 7320 5709 0918 (BIC CREGBEBB) under the reference “[service] + [Full Name] + [email address]”.

Article 1- Acceptance: These general terms and conditions govern all the relationship between Aguilar Knowledge Company (“AKC”) and its clients with respect to enrolments, except in the case of express, written derogation. By enrolling, the client accepts these general conditions. These conditions shall apply exclusively from the enrolment of the client and prevail over all other general terms and conditions.

Article 2 – Disclaimer: AKC is not an investment advisory service, is not an investment adviser, and does not provide personalized financial advice or act as a financial advisor. AKC exists for educational purposes only, and the materials and information contained in the course and lessons are for general informational purposes only. None of the information provided by AKC is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement, recommendation or sponsorship of any AKC, security, or fund. AKC’s information should not be relied upon for purposes of transacting in securities or other investments.

AKC doesn’t offer or provide tax, legal or investment advice and the clients are responsible for consulting tax, legal, or financial professionals before acting on any information provided by AKC.

AKC will carry out the lessons to the best of its ability with all its know-how, with the care that can be expected from a professional service provider under similar conditions, according to the rules of art and taking into account its knowledge. However, AKC shall not be liable for omissions or errors in the lessons.

Article 3 - Enrolment conditions and formalities: The client must be 18 years old minimum to be enrolled for lessons with AKC. All enrolments are personal and non-transferable.

By validating his/her enrolment, the client confirms his/her irrevocable undertaking to follow the lessons, subject to the right of cancellation or deferral set out in Article 4. AKC reserves the right to refuse enrolment on a lessons course, as well as any renewal, particularly in the case of inappropriate behavior by the client.

Article 4 - Right to withdraw – Deferral of an enrolment and reimbursement : Any withdrawal from enrolment for the lessons that has been validly carried out, will lead to the refund of lessons fees within thirty working days of receipt of the properly formulated request, however this may be subject to the deduction of an amount of 50 (fifty) EUR for administrative costs. Furthermore, the client has the right to defer the lessons for which they are validly enrolled or to have the fees for this refunded within 6 months commencing with the date of request for deferral. The deferral is a deferral of the session in accordance with the timetable established by AKC.

The deferral or refund of lessons is authorised subject to, and on penalty of nullity, the request for deferral or refund being sent by email to [email protected] and received by AKC at the latest five working days before the first day of lessons for which the refund or deferral is requested.

The client has a right to cancel the enrolment within 21 days of the confirmation email from AKC. Cancellation by the client must mandatorily be sent to [email protected].

If cancellation takes place within 21 days of the confirmation email from AKC, AKC will refund to the client, within a short time, the amounts already paid, less a potential deduction of the amount of 50 (fifty) EUR for administrative costs.

Article 5 - Pricing and methods of payment: Training costs are subject to pricing set out in all the communications media of AKC (website, brochures, online purchasing platform, etc.). The amounts indicated are all-inclusive (including VAT at Belgian rates).

The total amount due for lessons must be paid before the start of lessons. AKC reserves the right to refuse access to any person that has not fulfilled all the enrolment formalities set out in Article 3 above.

Article 6 - Payment delays: Fee for lessons are payable in advance at the time of enrolment. If, however, some monies remain outstanding after the course start date, AKC will have the right to claim, in addition to the principal, a penalty interest of 12% per annum and to invoke the application of a penalty clause of 15% on the sums payable.

Article 7 - Cancellation of lessons by AKC: AKC reserves the right to cancel a lessons course, even if this has been subject to enrolments, if it believes that the lessons cannot take place in optimum conditions of safety, comfort, management and/or learning, and in the event of force majeure or exceptional circumstances.

In the event that a lessons course is cancelled, each client who is validly enrolled will be personally advised by email and the possibility of requesting his/her enrolment on a later lessons course will be offered, as far as AKC is able to do so, or to be refunded his/her enrolment for the lessons. The client must advise of his/her decision to take part in a later lessons course or to be refunded within 6 months of receipt of the email informing him/her of the cancellation of lessons. Beyond this time all lessons costs shall be the definitive property of AKC.

In the event that a lessons course has to be cancelled by AKC once it has started, part way through the session and the client opts for the cancellation of his/her enrolment, this cancellation will only be effective for the future and the refund of enrolment fees and lessons costs will be on a prorated basis applied to lessons which have not been provided – whether or not the client has attended lessons that have been given.

Article 8 - Disclosure and confidentiality: Should, in the context of a matter it is dealing with, AKC be in possession of sensitive or confidential information relating to the client, AKC shall not disclose any information to a third party without the client’s consent, except (a) for that which could be required by the law, a regulation, a judicial or administrative procedure or pursuant to the professional rules applicable, or in the context of a dispute that has arisen between the parties, or (b) in the event that such information (i) had otherwise become accessible to the public (including, and without limitation, all information lodged with government agencies and made available to the public), (ii) is disclosed by the client to a third party without having been subjected to the restrictions listed in the previous points, (iii) becomes available to AKC on a non-confidential basis via a third-party source and AKC were to consider that it could be disclosed with regard to its obligations towards its client, (iv) had come to AKC’s attention before it had been passed on by the client and would not infringe any obligation of confidentiality vis-à-vis the latter, or (v) had been developed by AKC regardless of any disclosure made by the client to AKC.

Article 9 – Intellectual property rights: All the materials available during AKC lessons are the property of AKC and/or affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The client may not use the materials available of AKC in a manner that constitutes an infringement of the AKCs rights or that has not been authorized by AKC. More specifically, unless explicitly authorized by AKC, the client may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the AKC lessons.

Article 10 – Disclosure and sharing of personal data: AKC uses and processes the personal data of each client for its own promotional purposes by sending the client information about goods or services which are like those already ordered or booked by the customer. The client may revoke permission to this use of his or her data at any time by sending an email with subject line “Data Protection" to sebastien@firebelgium.com. The client’s data shall then be deleted.

Article 11 – Force Majeure: AKC may not be held liable for delays owing to circumstances or causes beyond its reasonable control, including, and without being restricted to, deeds, omissions or refusals to cooperate on the part of the client/client in the context of pursuit of the lessons. AKC shall not be liable, either, for acts, omissions or lack of cooperation on the part of third parties, or for the consequences of fire, loss of data further to hacking, phishing or any other computer attack or any other cause, accidents, strikes or internal conflict, war or other violence, or any law, order or requirement issued by a government agency or national authority.

Article 12 - Applicable law and competent jurisdictions: These general conditions are subject to Belgian law. In the event of a dispute, only jurisdictions sitting in the French language of the judicial district of Brussels will be competent.