Last updated: 28 March 2026
Article 1 – Identity of the Service Provider
1. Belgium Insight is the commercial name of the professional activities of Michiel Taelman, registered as a sole proprietor in the Crossroads Bank for Enterprises under number 1035.317.226.
2. Registered address (no visiting address): Witteramsdal 8, 1730 Asse, Belgium.
4. Contact phone number: +32 472 47 59 55
5. Belgium Insight offers online courses and access to an online community for expats living in Belgium, hosted on the Contentcreatormachine.com platform.
Article 2 – Definitions
In these Terms and Conditions, the following definitions apply:
1. “Belgium Insight” / “we” / “us” / “our”: Michiel Taelman, trading as Belgium Insight.
2. “Customer” / “you”: any natural person or legal entity purchasing a Course and/or Community access from Belgium Insight and accepting these Terms and Conditions.
3. “Consumer”: any Customer who is a natural person acting for purposes outside his or her trade, business, craft or profession, within the meaning of the Belgian Code of Economic Law.
4. “Course”: any online course offered by Belgium Insight, currently including in particular “Understanding Belgian Income Taxes in 5 Days”, as well as any future courses.
5. “Platform”: the Contentcreatormachine.com online learning platform used by Belgium Insight to host Courses and the online community, including associated functionalities (videos, documents, discussion forums, messaging, etc.).
6. “Community”: the online community space on the Platform where Customers can post messages, ask questions and interact with Belgium Insight and other Customers.
7. “Digital Content”: any data produced and supplied in digital form by Belgium Insight, including but not limited to videos, slide decks, written explanations, templates, and recordings.
8. “Agreement”: the distance contract between you and Belgium Insight concerning the purchase of access to a Course and/or Community, concluded upon successful payment on the Platform.
Article 3 – Scope and Acceptance of the Terms
1. These Terms and Conditions apply to all offers, orders, Agreements and deliveries of Courses, Digital Content and Community access by Belgium Insight.
2. By purchasing a Course or accessing the Platform, you confirm that you have read, understood and accepted these Terms and Conditions.
3. These Terms and Conditions take precedence over any of your own general or special terms and conditions, unless we expressly agree otherwise in writing.
4. The latest version of these Terms and Conditions, as available on or via the sales page and on the Platform at the time of your order, applies to your purchase.
Article 4 – Offer, Pricing and VAT
1. The essential characteristics of each Course, the duration of access and the price (tax inclusive) are described on the relevant sales page or offer.
2. Prices are expressed in euros and are currently VAT-inclusive, with application of the exemption scheme for small enterprises pursuant to article 44 of the Belgian VAT Code (no VAT charged on the invoice while the exemption applies).
3. We reserve the right to change prices and conditions. The price and conditions applicable to you are those in force at the moment you place your order and complete payment.
4. If our VAT status changes in the future (e.g. exit from the exemption scheme), we may update our prices or VAT treatment accordingly for future purchases; this does not affect Agreements already concluded.
Article 5 – Conclusion of the Agreement and Payment
1. Orders are placed online via the applicable sales page, with payment processed via Stripe or another payment service provider indicated at checkout.
2. The Agreement is concluded when your payment is successfully completed and you receive an order confirmation or access email.
3. Unless otherwise stated, payment is due immediately and in full at the time of order. Access to the Course and Community is granted only after successful payment.
4. We may refuse or cancel an order in case of suspected fraud, non‑payment, evident error in price or description, or other legitimate reason. In such case, any amounts already paid will be refunded.
Article 6 – Right of Withdrawal (Cooling‑off Period)
1. These rules only apply where you act as a Consumer and purchase at a distance.
2. Under EU and Belgian consumer law, you normally have a 14‑day right of withdrawal for distance contracts.
3. Exception for digital content: The Courses and Community access qualify as digital content not supplied on a tangible medium. You will obtain access to the Course and Community immediately after payment.
4. By accepting these Terms at checkout and ticking the relevant box, you:
o expressly request immediate access to the Course and Digital Content before the expiry of the 14‑day withdrawal period, and
o expressly acknowledge that you thereby lose your right of withdrawal once the digital content is made available.
5. As a consequence, no refunds are possible once access to the Course and/or Community has been granted, except where mandatory consumer law provides otherwise.
Article 7 – No Refund Policy
1. Given the immediate nature of access to Digital Content and the Community, all sales are final. There is no right to cancel or obtain a refund after access has been granted.
2. You are responsible for ensuring that the Course is suitable for your needs before purchasing, based on the information provided on the sales page.
3. Technical issues on your side (e.g. internet connection, device incompatibility) do not entitle you to a refund, provided the Platform is generally accessible and functioning for users.
Article 8 – Educational Only – No Advice
1. All Courses, Digital Content and Community interactions provided by Belgium Insight are for general educational and informational purposes only.
2. Nothing in the Courses, Digital Content, Community or communications from Belgium Insight constitutes:
o personal tax advice,
o personal financial advice,
o legal advice, or
o any other regulated professional advice.
3. Belgium Insight and Michiel Taelman do not act as tax advisor, accountant, financial advisor, investment advisor, or legal counsel towards you. You remain solely responsible for seeking advice from a qualified professional regarding your individual situation.
4. Any examples, calculations, case studies or scenarios are illustrative only and do not guarantee any particular tax outcome or financial result.
Article 9 – Customer’s Responsibility and Use of Information
1. You remain fully responsible for:
o assessing whether the information is appropriate for your specific circumstances, and
o obtaining personalized advice from a qualified professional before taking decisions or actions with tax, legal or financial implications.
2. Belgium Insight cannot be held liable for decisions or actions you take or fail to take based on the Courses, Digital Content, Community discussions or any communication from us.
Article 10 – Access to the Platform and Community Rules
1. Access to the Course and Community is personal and non‑transferable. You may not share your login details or content with third parties.
2. You must have, at your own cost, a suitable device, internet connection and browser to access the Platform.
3. You agree to use the Platform and Community respectfully and lawfully. In particular, you shall not:
o post unlawful, defamatory, discriminatory, offensive or harmful content,
o harass or abuse other members, or
o use the Platform to advertise or solicit services without our prior written consent.
4. We may, at our reasonable discretion, suspend or terminate your access to the Course and/or Community without refund in case of:
o serious or repeated breach of these Terms,
o abuse of the Platform or Community,
o sharing of login credentials with unauthorised persons, or
o any behaviour that harms other users or Belgium Insight.
Article 11 – Duration of Access
1. Unless otherwise stated on the sales page, you will receive access to the Course and Community for the period indicated there (e.g. a minimum period or “lifetime access”, defined as access for as long as Belgium Insight and the relevant Platform continue to operate the course).
2. Belgium Insight reserves the right to discontinue a Course or the use of a specific platform in the future. In that case, we will provide reasonable notice by email or via the Platform. You are not entitled to any refund if the Course is discontinued after a reasonable access period has already been offered.
Article 12 – Intellectual Property
1. All content on the Platform and in the Courses, including but not limited to texts, slides, videos, audio, images, logos, trade names, course structures and downloadable materials, is owned by Belgium Insight and/or its licensors and is protected by copyright and other intellectual property rights.
2. Upon purchase, you receive a limited, personal, non‑exclusive, non‑transferable and non‑sublicensable licence to access and use the Course and Community solely for your own personal, non‑commercial use, for the duration of the Agreement.
3. You may not:
o copy, reproduce, distribute, publish, share or otherwise make the content available to third parties,
o modify, translate or create derivative works from the content,
o use the content for commercial training, consulting or other revenue‑generating activities without our prior written consent.
4. You are allowed to download and print materials where this functionality is expressly provided, solely for your personal use.
Article 13 – Customer Content in the Community
1. You remain responsible for the content you post in the Community (questions, comments, files, etc.) and you warrant that such content does not infringe any rights of third parties and is not unlawful.
2. By posting content in the Community, you grant Belgium Insight a non‑exclusive, worldwide, royalty‑free licence to use, reproduce and display such content within the Platform and our communication channels (e.g. anonymized testimonials), solely for educational and promotional purposes related to our services.
Article 14 – Liability
1. Belgium Insight undertakes a best‑efforts obligation, not an obligation of result, regarding the provision of Courses, Digital Content and Community access.
2. To the maximum extent permitted by Belgian law, Belgium Insight’s contractual and extra‑contractual liability towards you is limited to the amount actually paid by you for the Course giving rise to the claim.
3. Belgium Insight is not liable for:
o indirect or consequential damages, including loss of profit, loss of opportunity or loss of data,
o decisions taken by you based on the Courses or Community,
o technical issues attributable to third‑party providers (e.g. hosting, payment processors) outside our reasonable control.
4. Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by mandatory law (e.g. fraud, wilful misconduct).
Article 15 – Complaints
1. Complaints regarding invoices, access or the performance of the Course must be notified by email to [email protected] as soon as reasonably possible and at the latest within 8 days after you become aware of the issue.
2. Submitting a complaint does not suspend your payment obligations.
3. If you are a Consumer and we have not been able to resolve your complaint together, you can also contact the Belgian Consumer Ombudsman Service (Consumentenombudsdienst) for out‑of‑court dispute resolution via www.consumentenombudsdienst.be
Article 16 – Data Protection and Privacy
1. We process your personal data in accordance with applicable data protection law, including the General Data Protection Regulation (GDPR) and Belgian data protection legislation.
2. Our Privacy & Cookie Policy forms an integral part of these Terms and explains in detail how we collect and process your personal data and which rights you have.
Article 17 – Force Majeure
1. We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, such as technical outages of the Platform, hosting failures, cyber‑attacks, pandemic, governmental measures, or other force majeure events.
2. In case of prolonged force majeure making the performance of the Agreement impossible, we may terminate the Agreement without being liable for any compensation beyond a proportional refund for any part of the Course not yet reasonably accessible (if applicable).
Article 18 – Applicable Law and Jurisdiction
1. These Terms and Conditions and any Agreement between you and Belgium Insight are governed by Belgian law.
2. In case of dispute, the courts of the judicial district of Leuven have exclusive jurisdiction, without prejudice to any mandatory consumer jurisdiction rules.
