Skip to main content

Terms and conditions

These Terms and Conditions (the "Conditions"), together with our Cookie Policy and Privacy Policy are the contractual agreement between the client or visitor to the Website (indicated by references to "you" or "your"), and the Dutch foundation IVP – Institute for Pension Education (indicated by references to "we", "us", or "our") in relation to your use of the website (the "Website") and your purchases from the Website.

About Us

Stichting IVP – Instituut voor Pensioeneductie is a Dutch not-for-profit organisation to bring a quality impulse to the Dutch pensions industry. We are located in Rotterdam, The Netherlands.

Visitor’s address: Beursplein 37, 3011 AA Rotterdam, the Netherlands

Postal address: P.O. Box 30223, 3001 DE Rotterdam, the Netherlands

Registered with the Rotterdam Chamber of Commerce under file number: 56539622

Please contact our client care team by email should you have any questions concerning these Conditions:

Why are these Terms and Conditions Important?

When you visit the Website or place an order on the Website you agree to be bound by these Conditions, including our Cookie Policy and Privacy Policy which are incorporated within these Conditions. Please read these Conditions carefully and make sure that you understand them before placing an order from our Website. Please note that before placing an order you will be asked to agree to these Conditions.

You should print a copy of these Conditions or save them to your computer for future reference. Please note that these Conditions, and any contract between us, are available in the English language but in case of a dispute, the Dutch version will prevail.

Our right to vary these Conditions

We reserve the right to amend these Conditions from time to time as is deemed necessary, so please do check before ordering that you are comfortable with the Conditions which apply at the time. Should you not agree with any of the Conditions as shown at any time, you should cease using the Website.

Use of our Website

You are provided with access to this Website in accordance with these Conditions. By using our Website, you confirm that you accept these Conditions and that you agree to comply with them. Use of our Website includes accessing, browsing, or registering to use our Website. If you do not agree to these Conditions, you must not use our Website.

Changes to our Website

We may update our Website from time to time, and may change the content at any time. However, please note that any of the content on our Website may be out of date at any given time and we are under no obligation to update it.

We do not guarantee that our Website, or any content on it, will be free from errors or omissions.

Accessing our Website

Our Website is made available free of charge. We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Conditions.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at

No Reliance on Information

The content on our Website is provided for general information only. We make no warranties, either express or implied, as to the Website's accuracy, nor in relation to any transaction undertaken on or through the Website included but not limited to implied warranties of non-infringement, compatibility, security, accuracy or completeness.

Although we seek to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied that the content on our Website is accurate, complete or up-to-date.

Placing an Order

Our order process allows you to check and amend any errors before submitting your order to us. Please take the time to read and check your order at each stage of the order process.

When you place an order on the Website, you make an offer to us to purchase the goods shown in your order. When an order is placed, you will receive an email from us acknowledging that we have received your order. We will confirm our acceptance to you by sending you an email detailing the items you have purchased, together with confirmation that payment has been debited from the method of payment you have provided.

When your order is despatched you will receive an email with confirmation of the items despatched, the despatch method, anticipated delivery timeline, and delivery tracking information.

You may only purchase products from our Website if you are at least 18 years old.

By using the Website you warrant that any payment method used is your own and that there is sufficient credit to cover payment of the order placed.

Prices and Stock Availability

All prices are quoted in Euros and are inclusive of Netherlands Value Added Tax. Product sold and delivered outside of the European Union does not include an element of VAT and is sold at the price shown on the website. The final price will be shown in checkout before you place your order.

Please note that we have no control over import and other charges and we cannot predict their amount and in these instances any costs incurred by you cannot be refunded. Please contact your local customs office for further information before placing your order.

If we are unable to supply you with a product, for example because the product is not in stock or no longer available or because of an error in the price on our Website, we will inform you of this by email and we will not process your order. If you have already paid for your products, we will refund you the full amount as soon as possible.

What Happens After Placing an Order

We use all reasonable endeavours to ensure that product descriptions, specifications and photographs are as clear and accurate as possible but these are not intended to be binding and can only provide a general description of the products for sale. We make every effort to deliver within the timescales promised on the Website and in further communications with you after an order has been placed. However, at times things do happen that are outside of our control and we will not be liable for any losses caused to you by late or missing delivery.

Our courier company will provide delivery to the address stated on the order. If we receive returned orders that cannot be delivered due to an incomplete or incorrect address or because of client failure to contact the courier company or collect the goods from the depot when requested, we will refund the cost of the product less any and all delivery costs incurred by us in sending out the goods plus any additional costs incurred to return the goods to us by the courier company.

Returns and Exchange Policy

We hope that you will be delighted with the books you have purchased from us but with our returns and exchange policy you can feel confident in buying from us, knowing that you can return books if they are not suitable in any way or are not as expected.

If you would like to return your purchases for any reason, you are able to do so within 30 days of receipt. We are happy to offer you a refund, provided that the goods are returned intact and in the same condition as when they were received and are in their original packaging. Books received back for return or exchange outside of these Conditions may be accepted at our discretion, refunds may then be made as a credit for use with us.

Please note that books will be your responsibility from the completion of the delivery. We accept no responsibility for any damage or loss to the books after risk passes.

Our returns policy does not affect your legal and statutory consumer rights.

How to return books

To arrange a return please contact our client service department  (Monday–Friday 8am–6pm, CET).

Returning an order from outside the Netherlands

We regret that due to the increased charges for returning items from outside the Netherlands, returns for ALL international orders must be made at your own cost.

We will repair, replace or refund you for the price paid for any book which is found to be incorrect or damaged or defective on delivery.

Your right to cancel

Although we expect that you will be delighted with your purchase, in line with the Dutch consumer legislation you have a right to cancel your order in writing by emailing To exercise the right to cancel, you must inform us of your decision to cancel before the cancellation period of 30 calendar days has expired. Please let us know your name, address and the date on which you received your order, your order reference will also help us.

Your legal right to cancel a contract starts from the date of the dispatch confirmation, which is when the contract between us is formed.

In case of an educational programme you have a period of 14 (fourteen) calendar days in which you may cancel, starting from the day after the day you received the confirmation of your purchase of the course, training or programme. You will receive a full refund of the price you paid for the course. We will process the refund due to you as soon as possible and, in any case, within 14 calendar days of us having received the cancellation from you. If the date of a course falls withing this 14 day period, the order cannot be cancelled.


We are a Netherlands based Website operating within the Netherlands. Purchases on the Website can be made securely using creditcard or PayPal. All payments are processed in Euros.

All payments are verified and processed by a secure third party payment service provider and this includes screening against fraud. If for any reason your payment is rejected as part of our checkout process please verify you have entered all billing and payment information correctly and if this is the case then you should contact your bank or card issuer

International credit card providers or banks outside of the Netherlands will determine their own exchange rates and charges that you will be liable to pay. We have no control over such rates and charges and you should check with your issuing bank you should you have any such questions.

Client Service & How to Contact Us

Our aim is to ensure that you are completely delighted with your viewing of this Website and shopping experience, with our products and with our service. However, we are here to help in any way we can with all aspects of our products and service, and if you feel can improve in any way we would be pleased to hear from you.

All the information you need on our products and service can be found on the Website but our client team can provide help in finding the right course or product for your needs, in placing an order, arranging an exchange or return, tracking your order progress, and with any other questions you may have. Please send an email to:

Other Important Terms

These Conditions and your use of the Website are governed by Dutch law. This means that a contract for the purchase of products through the Website and any dispute or claim arising out of or in connection with it will be governed by Dutch law. You and we both agree that the competent courts of the Netherlands in the city of Rotterdam will have exclusive jurisdiction. In case of any ambiguity between the Dutch website and the English website, the text of the Dutch website will prevail.

The Website and these Conditions are intended for use within the Netherlands and although we are delighted to be of service to clients from outside of the Netherlands we can give no warranty, either express or implied, that the use of the Website or the placing of any order through the Website from outside of the Netherlands, complies with any applicable non Dutch laws or regulations.