Terms of Service
Legal terms and conditions governing your use of our educational services, including advertising platform compliance and user obligations.
Last updated: August 18, 2025
Terms Scope and Advertising Platform Compliance
These Terms of Service ("Terms") govern your access to and use of Golden Years Academy's educational services and website. By accessing our services, you agree to comply with these Terms and our advertising platform policies for Google, Facebook, and Microsoft services.
Our services are designed for individuals aged 16 and older who are interested in retirement planning education. We maintain compliance with Netherlands consumer protection laws and international advertising standards.
By using our services, you consent to data collection for advertising and marketing purposes as outlined in our Privacy Policy.
Advertising and Marketing Terms
Data Collection for Advertising
- • Consent Requirements: You must provide explicit consent for advertising cookies and tracking technologies
- • Data Types Collected: Behavioral data, device information, location data, and engagement metrics for marketing purposes
- • Third-Party Networks: We use Google Ads, Facebook Pixel, and Microsoft Advertising for targeted marketing campaigns
- • Cross-Device Tracking: Data may be linked across your devices to provide consistent advertising experiences
- • Behavioral Advertising: We analyze your interests and behaviors to deliver relevant educational content recommendations
Advertising Targeting Practices
Interest-Based Advertising
- • Retirement planning content preferences
- • Financial education interest categories
- • Age-appropriate course recommendations
- • Geographic targeting for Netherlands residents
Remarketing Activities
- • Website visitor retargeting campaigns
- • Course page engagement tracking
- • Custom audience creation for similar interests
- • Frequency capping to limit ad exposure
Marketing Communications
Email Marketing Compliance
- • Explicit opt-in required for marketing emails
- • Clear unsubscribe mechanisms in every communication
- • Truthful subject lines and sender identification
- • Compliance with Netherlands Direct Marketing Association guidelines
User Obligations and Prohibited Uses
General User Obligations
Accurate Information
Provide truthful and accurate information in all forms and communications with our services.
Age Requirements
Must be at least 16 years old to consent to advertising cookies and data collection.
Account Security
Maintain confidentiality of account credentials and notify us of unauthorized access.
Legal Compliance
Comply with all applicable Netherlands and EU laws while using our services.
Prohibited Activities
Advertising-Related Violations
- • Ad Fraud: Click fraud, impression fraud, or manipulation of advertising metrics
- • Bot Traffic: Using automated systems or bots to generate fake interactions
- • System Circumvention: Attempting to bypass tracking mechanisms or advertising systems
- • Data Harvesting: Scraping or extracting data from our website without authorization
- • False Engagement: Creating misleading engagement metrics or conversion data
Content and Conduct Restrictions
Prohibited Content
- • Illegal, harmful, or misleading content
- • Spam or unsolicited communications
- • Malware or malicious code
- • Copyrighted material without permission
Conduct Standards
- • No impersonation or false identity
- • Respectful communication with staff
- • No violation of advertising standards
- • Compliance with platform guidelines
Platform-Specific Compliance Policies
Google Ads Policies Compliance
Prohibited Content Standards
- • No counterfeit goods, dangerous products, or inappropriate content advertising
- • Compliance with restricted content policies for financial services and education
- • Adherence to editorial standards for clear, relevant, and professional content
- • Functional landing pages with accurate tracking implementation
Data Usage Compliance
- • Compliance with Google's data use policies for advertising platforms
- • EU user consent policy compliance for GDPR requirements
- • Proper implementation of Google Consent Mode v2
- • Accurate conversion tracking and attribution reporting
Facebook/Meta Advertising Policies
Community Standards Compliance
- • Authentic identity requirements and no discriminatory advertising practices
- • Compliance with restricted content categories for financial and educational services
- • Adherence to community standards for respect, safety, and dignity
- • Business verification requirements for certain advertising categories
Data Use Restrictions
- • Custom audience terms compliance for website visitor data
- • Facebook Pixel usage guidelines and data sharing restrictions
- • Special ad categories compliance for employment and housing (if applicable)
- • Cross-border data transfer requirements and limitations
Microsoft/Bing Ads Policies
Content and Editorial Guidelines
- • Prohibited and restricted content categories compliance
- • Editorial guidelines for grammar, punctuation, and spelling standards
- • Landing page requirements for relevance, functionality, and transparency
- • Trademark policies and intellectual property compliance
Data Collection Terms
- • Microsoft Advertising data usage terms compliance
- • UET tag implementation and conversion tracking accuracy
- • Geographic restrictions and country-specific advertising limitations
- • Cross-device tracking and Microsoft account integration policies
Advertising Industry Standards
Regulatory Compliance
- • IAB (Interactive Advertising Bureau) guidelines
- • NAI (Network Advertising Initiative) principles
- • DAA (Digital Advertising Alliance) standards
- • EDAA (European Digital Advertising Alliance) framework
Legal Standards
- • GDPR consent requirements for EU users
- • Netherlands Authority for Consumers and Markets compliance
- • Advertising disclosure and transparency requirements
- • Industry-specific regulations for financial education
Liability and Disclaimers
Educational Service Disclaimers
- • No Financial Advice: Our services provide educational content only and should not be considered as personalized financial advice
- • No Guaranteed Results: We do not guarantee specific financial outcomes or retirement planning results
- • Third-Party Platform Availability: Advertising platform availability and changes are beyond our control
- • Campaign Performance Variations: Advertising and marketing campaign results may vary based on external factors
- • Professional Consultation: Users should consult qualified financial advisors for personalized investment advice
Limitation of Liability
Liability Limitations
- • No liability for third-party advertising platform outages or changes
- • Limited liability for data breaches involving third-party services
- • No responsibility for advertising delivery or placement guarantees
- • Exclusion of consequential damages related to service use
- • Maximum liability limited to fees paid for services in the preceding 12 months
User Indemnification
Users agree to indemnify and hold harmless Golden Years Academy from claims arising from:
- • Violations of advertising laws or platform policies
- • Third-party claims related to user-provided content or information
- • Costs related to non-compliant advertising or marketing activities
- • Platform policy violations resulting in account suspensions or penalties
- • Intellectual property disputes related to user content
Legal Information and Dispute Resolution
Governing Law and Jurisdiction
Applicable Law
- • Netherlands law governs these Terms
- • EU law applies where relevant
- • Consumer protection laws of Netherlands
- • GDPR and privacy regulations
Dispute Resolution
- • Netherlands courts have jurisdiction
- • Dutch language for legal proceedings
- • Alternative dispute resolution available
- • Consumer protection agency mediation
Service and Terms Modifications
Changes to Services and Terms
- • Platform integration modifications with reasonable notice
- • Tracking technology updates to maintain compliance
- • Consent mechanism changes to meet regulatory requirements
- • New advertising features implementation with user notification
- • Terms updates with 30 days advance notice for material changes
Legal Contact Information
For legal matters, compliance questions, or formal notices:
Legal Notices
- • Use contact form with "Legal Notice" subject
- • Formal legal document service procedures
- • DMCA takedown request processing
Compliance Inquiries
- • Regulatory compliance questions
- • Law enforcement cooperation requests
- • Data protection authority inquiries
Response timeframe: Legal inquiries will be addressed within 5-10 business days.