Terms and Conditons

BY VISITING THIS SITE AND/OR PURCHASING A PRODUCT THROUGH THIS SITE, YOU AGREE TO THE TERMS & CONDITIONS BELOW.

PLEASE READ AND UNDERSTAND THEM BEFORE BROWSING THE SITE AND/OR FINALIZING YOUR PURCHASE.

The Site, Products and their Content are owned by ASK Enterprises OÜ.

1. Definitions

In these T&Cs, the following words and expressions have the following meanings:

  • Company means ASK Enterprises OÜ, an Estonian incorporated company with company registration no. 16261576.

  • Client means the person Purchasing and Using the Product.

  • Content means any and all written, visual, video, or audio information contained on www.anoukknuffmann.com, inside a Product, deliverable or shared via any of Company’s social media profiles or emails.

  • Parties mean the Client and the Company.

  • Product means an Online Course, Live Group Program or Private Coaching (as defined in Clause 5) Purchased by the Client from the Company. “Product” also means Services to be performed by the Company and as detailed in a separate Client Service Agreement between Company and Client if relevant.

  • Purchase means any Product paid for by the Client.

  • Site means www.anoukknuffmann.com.

  • T&Cs means the Terms and Conditions set out below.

  • Use means participating, reading, implementing, trying, or otherwise engaging in or with the Products.

2. Introduction

Anouk Knuffmann is the owner and founder of ASK Enterprises OÜ, a company that provides:

  1. Women with financial education to help them gain confidence and peace of mind related to money, mindset and investing.

The Company makes the Product available to the Client via various online platforms with additional support being offered through private messaging apps and online meetings.

The details of the Products are further detailed in Clause 5, a separate Client Service Agreement (if relevant) and on the checkout and/or sales pages provided to the Client, as it is made available, from the date of Purchase.

The Company reserves the right to substitute Products comparable or equal to the value of the Product or terminate access to the Product under the current circumstances as determined by the Company.

3. Term and Termination

These T&Cs enter into force from the date of initial Purchase and continue in force as long as the Parties are working together as further detailed in Clause 3.1 and 3.2 (the “Term”).

3.1. Online Course

The Company grants the Client lifetime access to its Online Courses (as defined in Clause 5.1). These T&Cs remain in force for as long as the Company provides access to the Online Course or until the Company decides it is reasonable to substitute Online Courses comparable or equal to the value of the Online Course or terminate access to the Online Courses under the current circumstances as determined by the Company, with the exception of Clause 11, which survives the Term of these T&Cs.

3.2. Live Group Programs and Private Coaching

The term of Live Group Programs and Private Coaching (as defined in Clause 5.2) is agreed between the Parties separately.

  • The Parties have no ongoing relationship after the conclusion of a Live Group Program or Private Coaching. Any extension of the Term requires prior written agreement between the Parties.

  • The Client may not terminate the Live Group Program or Private Coaching before the end of the Term.

  • The Company may terminate the Live Group Program or Private Coaching for any reason before the end of the Term provided that the Company issues a refund to the Client for any unused portion of the Live Group Program or Private Coaching.

4. Disclaimer

4.1. By Purchasing and Using the Product, the Client understands that Anouk Knuffmann and the Company is a money and investing coach, and they are not an attorney, accountant, financial advisor, certified financial planner, licensed professional in the financial services industry or any other licensed or registered professional.

4.2. The Product includes financial coaching services and is for informational and educational purposes only. The information and education provided is not intended or implied to supplement or replace the professional advice of an attorney, accountant, tax advisor, and/or financial advisor and as such does not constitute legal, financial, tax or financial planning advice. All decisions that the Client makes regarding its finances are at its own discretion and risk.

4.3. The Company’s role is to educate its clients on how to start and manage their own investments. The Company does not make any specific recommendations to any investments.

4.4. Although the Company does its best to ensure accuracy, the Company does not make any representation that all information is accurate or free of errors at all times.

4.5. This disclaimer applies to Company’s Site, Content, Newsletter, Products and all social media channels, including but not limited to Instagram (@anoukknuffmann) and LinkedIn (Anouk Knuffmann).

5. Product Specifics

5.1. Online Courses

  • The Company offers online courses and masterclasses with pre-recorded videos, e-books, workbooks and different digital products.

  • The Client receives a link via email to access the Online Courses.

  • Online Courses may be supplemented by access to Live Group Programs, Private Coaching, online meetings and/or messaging support.

5.2. Live Group Programs and Private Coaching

  • Live Group Programs: Group coaching sessions via online meetings and/or messaging support.

  • Private Coaching: Individual coaching sessions via online meetings and/or messaging support.

  • The Parties will enter into a separate written agreement (a “Client Services Agreement”) to cover the details of Private Coaching.

6. Client Responsibilities

The Client agrees to the following when Purchasing and Using the Product:

  1. Results: The Client accepts and agrees that it is fully responsible for its results from the Product.

  2. Participation: The Client agrees to be on time and participate fully in coaching calls and curriculum.

  3. Cancellations: For Private Coaching, the Client agrees to provide 48-hour notice for rescheduling. Cancellations with less than 48 hours’ notice will be forfeited.

  4. Communication: The Client agrees to immediately inform the Company of any issues or difficulties.

6.1. Assumption of Risk

The Client acknowledges that, as with any investment, there is an inherent risk associated which could include losing all capital. The Client is liable for the final investment decisions it makes. The Company does not manage investments on behalf of the Client.

6.2. No Sharing

The Client is prohibited from:

  • Distributing, copying, or selling the Product or Content to any third party.

  • Sharing links, passwords, or login information.

  • Breach of this clause will result in immediate removal without refund.

7. Payment

7.1. Payment Terms

The Client authorizes the Company to charge the Client’s credit or debit card. Payments are processed via Stripe. Late payments will result in suspension of access to the Product.

7.2. Payment Plans

By choosing a Payment Plan, the Client agrees that all installments are owed in full. No refund requests or stop payments will be accepted.

7.2.1. Failed Payment Procedure

  1. 1st Attempt: 2-day grace period to update information.

  2. 2nd Attempt: Access temporarily suspended.

  3. 3rd Attempt: Access remains suspended.

  4. 4th Attempt: Final attempt before the matter is forwarded to collections. Permanent removal from the Product.

8. Refund Policy

8.1. No Refunds

Due to the downloadable nature of Online Courses, refunds will not be issued once Purchased. Refunds will also not be issued for coaching sessions already conducted.

8.2. No Chargebacks

The Client will not, under any circumstances, issue or threaten to issue any chargebacks. The Company reserves the right to report chargebacks to credit bureaus as a delinquent account.

9. Limitation of Liability

To the fullest extent permitted by law, the Company disclaims liability for any indirect or consequential damages, including financial losses related to investments or the Use of the Product.

10. Indemnification

The Client agrees to indemnify and hold harmless the Company from any claims, losses, or costs arising out of the Client’s Use of the Product or breach of these T&Cs.

11. Intellectual Property Rights

Anouk Knuffmann and the Company own all Intellectual Property (videos, audio, workbooks, logos, etc.). The Client is granted a limited, non-exclusive license for individual use only.

12. Confidential Information

These T&Cs serve as a mutual non-disclosure agreement. Both Parties agree to keep all sensitive information learned during the Term strictly confidential.

13. Testimonials

13.1. The Client gives the Company permission to use communications, wins, or screenshots for marketing purposes. The Company will do its best to protect the Client’s identity unless expressed otherwise.

13.2. Testimonials are illustrative and do not guarantee similar results.

14. Data Protection

Please refer to the Company’s Privacy Notice available on the Site at www.anoukknuffmann.com for details on data collection and security.

15. Governing Law and Venue

These T&Cs are governed by the laws of Estonia. Any disputes that cannot be settled amicably shall be brought before the courts of Tallinn, Estonia.

16. Miscellaneous

  • Amendments: The Company reserves the right to update these T&Cs.

  • Severability: If any part of these T&Cs is found unenforceable, the rest remain in effect.

  • Force Majeure: Neither party is liable for delays caused by acts of God, pandemics, or other uncontrollable events.

By Purchasing and/or Using the Product, the Client implicitly signifies its agreement to all of the terms in these T&Cs.

Contact: hello@anoukknuffmann.com

Last updated: April 2026