1. Introduction

Welcome to this website operated by Merle van den Akker. By accessing or using this website, you agree to be bound by these Terms of Use.

If you do not agree with these terms, please do not use this website.

2. Website Content

All content on this website, including text, blog posts, research summaries, graphics, and materials, is provided for informational and educational purposes only.

The content does not constitute financial, legal, or professional advice. Any decisions you make based on information from this website are made at your own discretion and risk.

3. Intellectual Property

All content on this website is the intellectual property of Merle van den Akker unless otherwise stated.

You may:

• View and read content for personal use

• Share links to published articles

You may not:

• Copy, reproduce, distribute, or modify content without written permission

• Use content for commercial purposes without consent

4. Consulting Services

Booking a consultation does not establish a formal advisory or fiduciary relationship beyond the agreed session.

Consultation services provide behavioural science insights and educational guidance. They do not replace regulated financial, legal, or investment advice.

Clients remain responsible for their own financial decisions.

5. User Conduct

When using this website, you agree not to:

• Submit false or misleading information

• Use the website for unlawful purposes

• Attempt to interfere with website security or functionality

6. External Links

This website may contain links to third-party websites. These are provided for convenience only.

Merle van den Akker is not responsible for the content, policies, or practices of external websites.

7. Limitation of Liability

To the fullest extent permitted by law, Merle van den Akker shall not be liable for:

• Any direct or indirect loss arising from use of this website

• Financial decisions made based on website content

• Temporary unavailability of the website

Use of this website is at your own risk.

8. Privacy

Use of this website is also governed by the Privacy Policy. Please review it to understand how personal data is collected and handled.

9. Changes to These Terms

These Terms of Use may be updated periodically. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

10. Contact

For questions regarding these Terms of Use, please contact:

Merle van den AkkerEmail: merle-vd-akker@hotmail.com