Terms, delivery & privacy

Version 17 October 2026

Seller / Verkoper

ER Business Management BV
Contact: erwin@totalconcepts.org

Your purchase / Je aankoop

No Excuses Startup V4: a digital PDF in your selected language (NL, EN, DE, FR, ES, IT or TH), including the 30-day plan and worksheets, plus Toolkit V1 as a Dutch-language Excel workbook. PDF reader and an XLSX-compatible spreadsheet application required. One-time €29 consumer price including applicable VAT. No subscription, coaching, guaranteed income or future product included.

Delivery / Levering

Personal download links are emailed after confirmed payment. Links last 7 days and allow up to 10 downloads. Save your files locally. Contact us with your order reference if a link fails. A confirmation page alone is not proof of a successful payment.

Withdrawal / Herroeping

You may request a full refund within 14 days of purchase, including after download. We do not rely on loss of the withdrawal right through immediate digital delivery for this offer. Send a clear withdrawal statement by email or post with your name, purchase email, order reference and purchase date. Valid requests are refunded through the original payment method within 14 days of receipt. Mandatory consumer rights remain unaffected. After refund, stop using and remove the files.

Withdraw from contract here / Overeenkomst hier herroepen

Model statement: I withdraw from my purchase of No Excuses Startup V4 + Toolkit V1. Purchase date: […]. Order reference: […]. Name: […]. Purchase email: […]. Date: […]. Signature only for paper submissions.

Use / Gebruik

For your own learning and business use. Do not redistribute or resell the original files. Results depend on your market and execution. Statutory rights for missing or defective digital content remain unaffected. Belgian law applies with preservation of mandatory consumer protections and competent courts.

Privacy

ER Business Management BV processes your purchase email, billing details, selected language, payment reference and delivery status to fulfil your order, provide support and meet accounting obligations. Stripe handles payment details; full card numbers and CVC are not stored in our website or CRM. Necessary delivery data is processed through our hosting, n8n, email and Google Sheets services. Orders are not automatically added to marketing lists. Access is restricted to business operations. Transaction records are kept for applicable statutory periods; support data only as long as needed. Contact us for access, correction or other privacy requests. You may complain to the Belgian Data Protection Authority. This checkout adds no advertising trackers.