Terms of sales

1. Purpose

These General Terms and Conditions of Sale (GTCS) govern the contractual relationship between Navigating Risk & Audit (hereinafter referred to as “the Service Provider”) and its professional clients (hereinafter referred to as “the Client”) in the context of consulting, audit, cybersecurity, compliance, and training services.

2. Identification of the Service Provider

Navigating Risk & Audit

• Omar Belhadj – Risk Management and Internal Audit Expert
• Pastoor Cooremansstraat 3, 1702 Groot-Bijgaarden
• Company number (CBE): BE0557.974.286
• Phone: +32 318 36 45
• Email: audit@navigating-risk.be
• Website: www.navigating-risk.be

3. Services Provided

• Internal audits and risk mapping
• Support for ISO certification (9001, 14001, 45001, 27001, VCA)
• Cybersecurity diagnostics and action plans (NIS2 compliance, ISO 27001, CyFun®)
• Legal compliance consulting (GDPR, whistleblowing, workplace well-being)
• Professional training in safety, cybersecurity, management, VCA, and first aid

Each service is defined in a quotation, program, or specific agreement.

4. Orders and Acceptance

Any service is subject to a commercial proposal.
Written acceptance of the quotation or online registration for a training course constitutes a firm order and acceptance of these GTCS.

5. Pricing and Payment Terms

• Prices are expressed in euros, excluding VAT.
• Prices are specified in the quotation or on the website for training courses.
• A down payment of 30% may be required upon order.
• The balance is payable upon receipt of invoice, within a maximum period of 30 calendar days.
• Any late payment will automatically give rise to late payment interest in accordance with the Belgian law of August 2, 2002.

6. Cancellation Terms

Cancellation by the Client:

• More than 15 days before the service: no charge (excluding costs already incurred);
• Between 15 and 7 days: 50% of the amount invoiced;
• Less than 7 days before or no-show on the day of the service: full invoicing.

Cancellation by the Service Provider: full refund of amounts paid, with no further compensation.

7. Liability

The Service Provider is bound by an obligation of means and not of result.
It cannot be held liable for:

• Indirect losses (loss of revenue, data, or business operations);
• Penalties or damages resulting from the Client’s failure to implement the recommendations provided.

8. Intellectual Property

All materials (reports, guides, training materials) provided to the Client remain the intellectual property of the Service Provider.
Any reproduction, distribution, or use without prior written authorization is prohibited.

9. Confidentiality

All information exchanged between the parties is strictly confidential.
The Service Provider undertakes not to disclose any sensitive Client information, except where legally required.

10. Personal Data Protection

Navigating Risk & Audit processes personal data solely for the management of the commercial relationship and the delivery of services, in compliance with the GDPR.
The Client may exercise their rights (access, rectification, deletion) by writing to audit@navigating-risk.be.

11. Force Majeure

The Service Provider cannot be held liable for delays or non-performance due to force majeure events (pandemic, strike, natural disaster, major IT failure, etc.).

12. Governing Law and Jurisdiction

These GTCS are governed by Belgian law.
In the event of a dispute, the courts of Brussels shall have exclusive jurisdiction.

NRA reserves the right to provide translations to users for convenience purposes only. In the event of any conflict or inconsistency between the French version and a non-French version, the French version shall prevail, subject to mandatory provisions of local law.

Last updated: December 24, 2025