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Approved by the Board of Directors of The International Academy of Osteopathy (IAO) © on the 20th of February 2023.

Copyright by IAO vzw © 2023. No part of this publication may be reproduced and/or published by means of print, photocopy, microfilm, or any other means without prior written consent from the publisher.

Contact: IAO vzw ©, Bollebergen 2B - bus 15, 9052 Ghent, Belgium
Web :
Tel : +32 (0)9 233 04 03

Article 1: Applicability

  1. All quotations, invoices, all contracts concluded by The International Academy of Osteopathy © (hereinafter also referred to as "IAO", "we", "us" and "our") and all services (in the broadest sense of the word) for which you are a customer of IAO © are subject to these General Conditions of Sale.
  2. As a customer, you are assumed to have taken note of these General Terms and Conditions of Sale; if you conclude a contract with us, you accept them, irrespective of any contrary purchasing conditions.
  3. Exceptions from these General Conditions of Sale are possible, but only based on an express, prior, and countersigned agreement by IAO ©. A simple notification by means of, for example, a document containing your "general conditions of purchase" is not sufficient.

Article 2: Payment of invoices

  1. All payments to IAO © are made by bank transfer to the account number shown on the invoice/email with payment details.
  2. The amount of the invoices is always payable in the indicated currency, net and is due immediately without discount via the HUB. The receipt of the invoices shall be deemed to be a notice of default by operation of law and according to Article 1139 of the Civil Code, without any other deed being required. Unless stated otherwise, the invoices are immediately due and payable to the bank account number stated.
  3. Our invoices are payable at the latest on the due date indicated on the invoice. Unless otherwise agreed in advance, the payment period is 7 days.
  4. If you have not paid an invoice of IAO © or have not paid it in full by the due date, you will owe us, ipso jure and without us having to issue you with a reminder or a notice of default, interest on arrears as described in article 3 below and compensation as described in article 4 below.
  5. In the event of non-payment of an invoice on its due date, all outstanding invoices, even those not yet due, shall become immediately payable. In the event of non-payment on the due date, the debtor shall be liable, ipso jure and without notice of default, in accordance with Article 1147 of the Civil Code, to pay conventional and irreducible damages fixed at a flat rate of 10% of the unpaid amount, with a minimum of EUR 65.00, without prejudice to interest on arrears and any legal costs.
  6. By paying this invoice, registration for the corresponding course is confirmed. The Study Contract, Internal Regulations and Privacy Statement apply in full to the agreement between the Student and IAO and form an inseparable whole.
  7. Participation in a course without prepayment, late registration (registration closes 30 calendar days before the start of the course) or a change of course location (= rebooking) does not comply with our payment conditions. The student will no longer be granted access to the HUB if the IAO © has not received all the amounts due in full.

    For the details on this matter we refer to our Internal Regulations, article 10.

Article 3: (Delay) interest

  1. All payments overdue on the due date on IAO © invoices will be charged, ipso jure and without us having to issue you with a notice of default, with interest on arrears equal to 10% per year on the principal amount as from the due date.
  2. As a customer, you cannot invoke a complaint about our services or our training courses to refuse payment; you can only do so by contesting the invoice as such (see below, article 5).

Article 4: Damage condition

  1. If the delay in payment of an outstanding invoice exceeds 7 days, you will be liable to pay IAO ©, by express agreement between the parties, a conventional indemnity equal to 10% of the amount invoiced, with a minimum of € 65.00.
  2. If the delay in payment of an outstanding invoice exceeds 21 days and we deem it necessary to proceed to the assignment of a third party to obtain payment, our original claim will also be increased by the costs associated with this intervention.

Article 5: Material errors and disputed invoices

  1. If you believe that a material error has occurred in one of our invoices, please contact the IAO © office within seven days of receipt of this invoice: The necessary steps will then be taken together with you.
  2. If you have reason to dispute an invoice of The International Academy of Osteopathy ©, you can do so no later than (a) eight days after receipt of the invoice (we count the first working day after sending a digital invoice as receipt date) or (b) fifteen days after the invoice date. (The longest period applies.) You communicate this dispute by e-mail to the IAO © office ( Your dispute is only final when you have received an answer from our side.

Article 6: Breach

  1. You expressly accept that in the event of non-payment of all or part of the amounts owed by you, we shall be entitled to suspend all further services with immediate effect. At that moment we reserve the right to consider the agreement concerned as dissolved by operation of law and without prior notice of default, either in its entirety or for the part not yet performed. You will then have no recourse nor right to compensation for the non-performed performances.
  2. IAO © also reserves the right to consider the agreement dissolved by law and without prior notice in the event of bankruptcy or apparent incapacity to act on the part of the customer, as well as in the event of any change in the customer´s legal situation.

Article 7: Competent jurisdiction and applicable law

  1. All disputes relating to these General Terms and Conditions of Sale, the Agreement, the Study Contract, the Internal Regulations, and the Privacy Statement are governed by Belgian law.
  2. The courts of the judicial district of East Flanders - Ghent Division shall have exclusive jurisdiction over any disputes arising from the application of these General Terms and Conditions of Sale.