Terms and Conditions

Please read these terms carefully, as they apply to your registration for any of the products sold by Hildur’s Health Bank/The Health Bank [also known in Iceland as Hildur Online ehf/ Heilsubankinn] (also referred to as “courses” or “programmes”).

By purchasing our products, you agree to the following terms and conditions.

THE PROGRAMME

Hildur’s Health Bank/The Health Bank agrees to provide educational materials designed to help clients take the necessary steps toward improved wellbeing and health.
The client agrees to follow all rules and procedures described in this agreement as a condition of participation in our courses.

FINANCIAL COMMITMENT

The client is legally obligated to complete all payments according to the agreed payment plan for the purchased products.
Hildur’s Health Bank/The Health Bank reserves the right to pursue any outstanding payments through a debt collection agency.

PAYMENT METHODS

We accept payment by Visa, Mastercard, and bank transfer.
If the client chooses to pay in monthly instalments where that option is available, they authorise a recurring monthly charge to their credit or debit card, or agree to settle the instalments via their online banking service.

CANCELLATION, REFUNDS & RETURNS

All Hildur’s Health Bank/The Health Bank courses are non-refundable, including (but not limited to) Hildur’s Health Boost and the Support Programme.

Once a course has started, no refunds will be issued.

CONFIDENTIALITY

Hildur’s Health Bank/The Health Bank respects client confidentiality and privacy, and requires clients to do the same. This is considered a mutual duty of confidentiality.

All confidential information shared by Heilsubankinn representatives is private and belongs solely to the client or representative who discloses it.

Both parties agree not to disclose, discuss, or use any confidential information in communications, Facebook groups, or by any other means.

The client agrees to use such confidential information only in dialogue with other Hildur’s Health Bank/The Health Bank clients or team members.

Confidential information includes, but is not limited to, information shared under this agreement and does not include information lawfully obtained from a third party.

Both parties will keep all such information strictly confidential and will take all reasonable steps to protect it from disclosure, misuse, or theft.

The client agrees not to breach this duty of confidentiality or reveal any confidential matters relating to Hildur’s Health Bank/The Health Bank.

Furthermore, the client will not share with any third party any information obtained under this agreement or through direct or indirect contact with Hildur’s Health Bank/The Health Bank clients or team members. This includes - but is not limited to - names, email addresses, titles or roles within the company, phone numbers, and/or postal addresses.

The client will never, either directly or indirectly, provide any confidential information to any third party.

By purchasing our products, you agree that if you breach - or attempt to breach - this agreement, Hildur’s Health Bank/The Health Bank and/or other programme participants may seek an injunction to prevent such a breach and to limit any potential harm.

CLIENT RESPONSIBILITY

Courses developed by Hildur’s Health Bank/The Health Bank are provided for educational purposes only.

The client agrees and acknowledges that they are 100% responsible for their own progress and results from participating in Hildur’s Health Bank/The Health Bank courses.

Hildur’s Health Bank/The Health Bank does not guarantee, promise, or warrant any specific results - whether verbally or in writing.

The client understands that, due to the nature and scope of Hildur’s Health Bank/The Health Bank programmes, individual outcomes will vary.

There is no guarantee that the client will achieve their personal goals by participating in these courses.

All education and information provided by Hildur’s Health Bank/The Health Bank is intended for a general audience and is not offered as, nor should it be construed as, personalised professional advice.

UNAUTHORISED DISTRIBUTION OF COPYRIGHTED MATERIAL

All Hildur’s Health Bank/The Health Bank courses and materials are protected by copyright and created exclusively for clients’ personal use.

They are not intended for distribution.

Clients are not permitted to use any of the company’s intellectual property for commercial purposes.

All intellectual property - including copyrighted programmes and/or course materials - remains the sole property of Hildur’s Health Bank/The Health Bank.

No licence (express or implied) is granted to sell or distribute the company’s content.

By purchasing this product, the client agrees:

Not to infringe any copyright, patent, trademark, trade secret, or other intellectual property rights.
That all confidential information shared by the company remains strictly confidential and proprietary to the company.
Not to disclose or use such information without the company’s written consent.

Furthermore, by purchasing this product, the client agrees that if they breach - or attempt to breach - any of these agreements, the company reserves the right to seek an injunction to prevent and defend against such breaches.

SEVERABILITY

If any provision of this agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Failure by either party to enforce any right under this agreement shall not constitute a waiver of that right or any other rights.

CHANGES

The company may amend these terms and conditions at any time.

Any changes will be posted on the programme website, and purchasers will be notified.

TERMINATION

The company is committed to providing all clients with a positive experience.

By purchasing this product, the client agrees that the company may, at its sole discretion, terminate this agreement and limit, suspend, or end the client’s participation in the programme without refund or release from monthly payment obligations if the client:

disrupts operations,
disturbs other participants,
fails to follow programme guidelines,
proves difficult to work with,
causes issues for other participants, or
breaches these terms as defined by the company.

The client remains responsible for paying the full contract amount.

DISPUTE RESOLUTION

If a dispute cannot be resolved in good-faith negotiations between the parties, any claim or disagreement arising from this agreement shall be submitted to a court of law.

All claims against the company must be filed within 100 days of the initial claim, or they will be forfeited.

A ruling shall be issued within ninety (90) days from the date of the original claim.

Both parties will cooperate to ensure that the court process is completed within this 90-day period and will expedite proceedings.

The court’s written decision (including any award of costs) will be final and binding, not subject to appeal, and may be entered and enforced in any court of competent jurisdiction as a judgment or decree.

In any dispute involving the client’s unpaid obligations, the client shall be responsible for all court and legal fees.

End of Terms & Conditions - Updated Sept 2025 - Hildur’s Health Bank/The Health Bank

TERMS & CONDITIONS