Terms of Practice: Payments, Refunds & Compliance

This framework delineates the non-negotiable financial protocols, operational boundaries, and fiscal responsibilities governing all clinical trajectories, consultations, and professional engagements at Credere Counseling.

 

1. Prepayment & Enforcement of Co-operation: To maintain absolute focus on deep clinical synthesis and structural containment, administrative energy is intentionally minimized. The practice does not allocate resources to debt collection or chasing outstanding balances. The operational philosophy rests on a fundamental principle: accountability dictates accessibility.

 

  • Upfront Invoicing: All monthly retainers and specialized consultation fees must be voldaan (settled) entirely upfront. The gate to the therapeutic containment only opens once the full payment has been processed and cleared.

 

  • Zero-Tolerance Non-Payment Protocol: Payments are processed on a strict monthly schedule. Should a client fail to clear the monthly retainer by the specified due date, the co-operation is terminated unilaterally and immediately, without further warning, administrative reminders, or right of reinstatement. Access to live encounters, retrospective analysis, and intersessional communication will cease instantly.

 

2. Unilateral Discontinuation & Refund Policy: While the mentorship requires a profound psychological commitment, the practical framework remains entirely fluid and transparent. Financial alignment strictly mirrors active therapeutic engagement.

Client-Initiated Termination: Should the client's internal compass indicate readiness to transition into complete independence prior to the standard conclusion of the mentorship, the agreement may be dissolved on a monthly basis. The unutilized portion of the monthly retainer will be calculated transparently and refunded immediately without deliberation.

Clinician-Initiated Termination: If a trajectory devolves into repeated intellectual resistance, debate, or structured doubt rather than active integration and learning, the co-operation will be ended unilaterally by the clinician. Upon such termination, the remaining unutilized portion of that month's retainer is returned instantly, and the relationship is closed.

 

3. Taxation, Deductibility & International Compliance

Financial structures and external verifications are the sole responsibility of the retaining party.Domestic Financing (The Netherlands):

For self-employed professionals and corporate entities registered within the Netherlands, mentorship retainers are typically fully deductible as professional development or corporate mentorship.

For salaried individuals, financing may be secured through an employer's preventative or re-integration budget.

 

International Fiscal Disclaimer: All fees, invoicing protocols, and potential deductions listed by this practice are structured strictly in accordance with current Dutch tax legislation. The practice accepts no responsibility, liability, or accountability for varying fiscal regulations, corporate deduction policies, or tax laws outside the Netherlands. International clients are strictly required to investigate, verify, and comply with the financial and legal frameworks within their own respective jurisdictions prior to formal enrollment.

.1. Prepayment & Enforcement of Co-operation

To maintain absolute focus on deep clinical synthesis and structural containment, administrative energy is intentionally minimized. The operational philosophy rests on a fundamental principle: accountability dictates accessibility.

 

  • Upfront Invoicing: All monthly retainers and specialized consultation fees must be settled entirely upfront. The gate to the therapeutic containment only opens once the full payment has been processed and cleared.
  • Zero-Tolerance Non-Payment Protocol: Payments are processed on a strict monthly schedule. Should a client fail to clear the monthly retainer by the specified due date, the co-operation is terminated unilaterally and immediately, without further warning or right of reinstatement.
  • Therapeutic Justification for Abrupt Termination: This immediate cessation of co-operation serves as a deliberate clinical intervention rather than an administrative penalty. Self-sabotage and structural boundary-testing are core dynamics that perpetuate chronic depression and trauma loops. Enforcing an uncompromising, immediate boundary interrupts these self-undermining patterns, forcing the client's psychological system to confront its resistance.
  • The Clinical Mechanism of Trust: This framework demands radical accountability and establishes a forced learning curve regarding trust. The non-negotiable policy ensures that any client can terminate the mentorship for any reason—including dissatisfaction—and instantly receive a full refund for the remaining unutilized days of that current month. Months where containment has already been consumed are strictly non-refundable. By guaranteeing this frictionless return of funds, the practice models absolute structural safety. The client is forcefully confronted with their own projection of exploitation, triggering a systemic response where the arising friction contributes directly to the transformational process.

Terms and Conditions: Appointments, Fees & Communication Policy1. Appointment Cancellation PolicyAppointments may be cancelled at any time, preferably as early as possible.Since motivation should not stem from financial obligation, only the base fee of €37.50 remains strictly payable for the initial consultation.The practice, however, reserves the right to terminate availability and service provision in cases of high-frequency cancellations.2. Fee Structure and InvoicingEach consultation consists of a fixed base fee of €37.50, supplemented by the actual consultation time at an hourly rate of €120.00 (calculated per minute).The base fee covers administrative tasks, case documentation, and short, organizational contact points, such as scheduling or rescheduling appointments.Invoices must be settled within 14 days from the invoice date. All services are exempt from VAT (btw-vrijgesteld).3. Between-Session Contact and AvailabilityInitiating contact via WhatsApp or email for additional support outside scheduled appointments is permitted.Due to ongoing practice commitments and personal time, there is no guarantee of an immediate or direct response.Responses focus on short-term 'first aid' or immediate stabilization. If the support requirement is more extensive, direction will be given to schedule a formal consultation.The total daily time spent reviewing, analyzing, and responding to these interim messages—including both direct contact time and processing/reflection time—will be billed retrospectively at the standard hourly rate (€2.00 per minute), subject to a minimum of 10 minutes per day.Contact initiated by the practice (such as a brief welfare check-in following an intensive session) is complimentary. If the client’s response evolves into an active support request or crisis management, subsequent guidance time will be billed in accordance with the standard per-minute rate.4. Execution of Services and LiabilityServices are provided as an obligation of means (inspanningsverplichting). Expertise will be applied to the highest professional standards, but specific therapeutic outcomes cannot be guaranteed.The practice does not operate a 24/7 crisis service. In the event of an acute, immediate emergency outside of operational hours, clients must contact regular emergency services (such as the general practitioner or 112).Liability is strictly limited to the amount paid out by the professional liability insurance policy for the event in question.

Terms of Service

Confidentiality & Data

All consultations are conducted under strict professional confidentiality. Information is not disclosed to third parties without explicit written consent, except where legally mandated. Crisis Protocols For acute, life-threatening crises, immediate contact must be made with local emergency services. Crisis consultations within the practice remain subject to availability.

Fees & Settlements

A base fee of €37.50 applies per scheduled contact, followed by an hourly rate of €120. A 25% surcharge applies outside office hours or for team sessions. Invoices are settled via secure digital bank request, with payment required within two days. Subsequent consultations require payment confirmation. Cancellation & Boundaries Appointments may be canceled at any time, preferably ASAP. The base fee of €37.50 remains strictly payable. The practice reserves the right to terminate availability and service provision in cases of high frequency.

 

Practicalities, Insurance & Tax

  • Statutory VAT-Exempt Status: All therapeutic services are strictly exempt from VAT under Article 11-1-g of the Dutch Turnover Tax Act, anchored in the practitioner’s active BIG-registration as a psychiatric nurse.

  • Clinical Autonomy & Insurance: Operating independently of municipal- and conventional insurance contracts to preserve absolute clinical integrity; invoices are issued directly to the primary caregiver.

  • Cancellation & Defaulter Policy: Appointments must be cancelled or rescheduled at least 24 hours in advance; late cancellations or no-shows are invoiced at the full standard rate.

  • Emergency Limitations: Credere provides intensive stabilization but does not operate a 24/7 emergency facility. In acute, life-threatening crises, contact your general practitioner (huisarts) or regional crisis services (crisisdienst).