Approved by the Board of Directors of The International Academy of Osteopathy (IAO) on 7 May 2025.
Copyright by IAO vzw © 2025. No part of this publication may be reproduced or made public in any form without prior written permission from the publisher.
Contact: IAO vzw, Bollebergen 2B bus 15, 9052 Ghent, Belgium.
Mail: info@osteopathy.eu
Web: https://www.osteopathy.eu
Tel: +32 (0)9 233 04 03
Article 1: Applicability
These general terms and conditions of sale apply to all quotations, invoices, agreements, and services of The International Academy of Osteopathy (IAO).
As a customer, you are deemed to have taken note of and accepted these terms and conditions upon entering into an agreement, regardless of any of your own purchase terms.
Deviations are only valid if expressly agreed upon in writing by both parties.
Article 2: Invoice Payment
Invoices must be paid via the student portal (HUB) using one of the available payment methods.
The correct payment method must be selected before proceeding to payment. If the “bank transfer” option is chosen, it is important that the 16-digit code is included in the payment reference!
Payment must be made in the stated currency, net, without discount, and is immediately due via the HUB e-shop. Receipt of the invoice constitutes a notice of default under Article 1139 of the Civil Code.
Invoices must be paid no later than the due date, i.e., before the start of the programme, unless otherwise agreed in writing. The standard payment term is 7 days.
In the event of non-payment by the due date, the customer automatically owes late payment interest (see Article 3) and a compensation fee (see Article 4), without prior notice. All outstanding invoices become immediately due.
Access to future modules will be denied until the outstanding amount is settled.
Enrolment in a programme is confirmed only after the invoice is paid. The Study Contract, Internal Regulations and Privacy Policy are an integral part of the agreement.
Article 3: Late Payment Interest
Late payments are automatically subject to annual interest of 10% from the due date, without prior notice.
Complaints regarding our services or training programmes do not suspend the payment obligation, unless the invoice is formally contested (see Article 5).
Article 4: Compensation Fee
If payment is overdue by more than 7 days, a flat-rate compensation of 10% of the outstanding amount will be charged, with a minimum of €65.
If the delay exceeds 21 days and IAO decides to engage a third party for collection, the associated costs will be added to the outstanding balance.
Article 5: Invoice Disputes
In case of material errors or substantive disputes, the customer must contact the IAO secretariat within 7 days of receiving the invoice via info@osteopathy.eu.
Formal disputes are only admissible if submitted in writing within: (a) 8 days after receipt of the invoice, or (b) 15 days after the invoice date — whichever period is longer.
A dispute is only valid after written confirmation from IAO.
Article 6: Termination Due to Non-Payment
In case of full or partial non-payment, IAO reserves the right to immediately suspend further services and to terminate the agreement automatically, without prior notice of default. In such cases, no compensation can be claimed. All outstanding invoices must be paid within 7 days.
This right also applies in the event of bankruptcy, apparent insolvency, or any change in the legal status of the customer.
Article 7: Jurisdiction and Applicable Law
Belgian law applies to these conditions. Only the courts of the judicial district of East Flanders, Ghent division, have jurisdiction over disputes.
The International Academy of Osteopathy
Bollebergen 2B bus 15, 9052 Ghent, Belgium.
Tel: +32 (0)9 233 04 03 (available Tuesdays and Thursdays from 9:00 to 12:30)
© 2025 The International Academy of Osteopathy