The small print, in plain language.

1. Who we are

Plentiful is run by Dorothy Seguy and Laura Hockensmith, trading as Plentiful, Tuinstraat 133, 1015 PA Amsterdam, the Netherlands. "We" and "us" means Plentiful. "You" means the person reading, subscribing, registering or booking.

2. Education, not advice

Everything we publish and teach is journalism and education. It is general information, written for many readers, and it is not financial, investment, tax, pension or legal advice for your personal situation. We are not licensed advisers and we don't sell financial products. Decisions about your money are yours, and we're not liable for their outcome. If you need advice for your own circumstances, see a licensed adviser.

We do our best to be accurate and to say where our numbers come from. Markets, tax rules and pension rules change; check anything that matters before acting on it.

3. The letter and free resources

Letters from Plentiful and our free resources cost nothing. You can unsubscribe at any time with the link in any email. We can change the format, frequency or content of the letter, or stop a resource, at our discretion.

4. Paid programmes for individuals

This section covers the Dutch Pension Bootcamp, Unlock, and any other programme we sell to individuals through this website or our newsletter.

Registration and price. Your registration is confirmed when we receive your payment. Prices are in euros and include VAT. The Dutch Pension Bootcamp costs €299 for both live sessions, on 5 and 19 November 2026. It is designed for people resident in the Netherlands, whatever their nationality.

What's included. The live sessions, the workbook and resources we share, and email access to us between sessions for programme questions. Sessions are not recorded and there is no replay. That protects everyone's privacy and it makes people show up.

If you cancel before the programme starts. Email us at [email protected]. We refund according to when we receive your cancellation, counted from the first session:

Cancellation received	Refund
21 days or more before the first session	100%
14 to 20 days before	50%
Less than 14 days before, or no-show	No refund, but see the guarantee below

You can transfer your seat to someone else at no cost up to 48 hours before the first session; just tell us who.

Our guarantee. Attend the first session, do the preparation we ask for beforehand, and if the programme isn't what you needed, tell us why within 48 hours of that session and we refund you in full. We ask for a concrete reason because it helps us fix the programme. The guarantee doesn't apply if the preparation wasn't done, since the programme is built on it.

Your legal right of withdrawal. As a consumer buying online in the EU, you have 14 days after purchase to withdraw without giving a reason. If you register less than 14 days before the first session, you ask us to start the programme within that period, and the withdrawal right ends once the programme is fully delivered. Our refund table above is more generous than the legal minimum in most cases; whichever gives you more applies.

If we cancel or move a session. If we have to cancel, you choose between a full refund and a seat on the next date. If we move a date and the new one doesn't work for you, the same applies. We're not liable for other costs you incurred around the session.

Conduct. Our sessions are safe spaces. We can remove anyone who makes them unsafe for others, without refund. What other participants share in a session stays in the session.

5. Workshops and programmes for companies

For organisations, the scope, dates, number of participants, format and fee are agreed in a written proposal or email exchange, which together with these terms forms the agreement.

• Payment. Invoices are payable within 30 days. For first engagements we may invoice 50% on confirmation and 50% after delivery.
• Rescheduling. A session can be moved once, free of charge, with at least 10 working days' notice. Later changes may carry a rescheduling fee of 25% of the session fee.
• Cancellation by the client. More than 20 working days before: no charge. 10 to 20 working days: 50% of the fee. Less than 10 working days: the full fee.
• Participants. Sessions are for the organisation's own people. Our materials may be shared with participants; they may not be reused for other groups, resold or published without our written permission.
• Data. We process participants' data (names, email addresses, survey answers) only to run the session, under our privacy policy, and delete or anonymise it afterwards. Survey answers are reported to the client in aggregate only.
• References. We may name the organisation as a client, with its logo, unless you tell us not to. Anything beyond the name, such as a case study or quote, only with your approval.

6. Our content

The letter, the resources, the worksheets and the session materials are ours (or licensed to us). You may use them for yourself, print them, and share them with a link and a credit. You may not resell them, republish them as your own, or use them to build a competing product.

7. Liability

We're liable for direct damage caused by our proven negligence, up to the amount you paid us for the programme or engagement concerned. We're not liable for indirect damage, including loss of profit or investment losses, or for anything caused by circumstances beyond our reasonable control. Nothing here limits liability that cannot be limited under Dutch law.

8. The boring but necessary

Dutch law applies. If we have a disagreement we'll first try to sort it out between us; if that fails, the competent court in Amsterdam decides. If one part of these terms turns out to be invalid, the rest still applies. We may update these terms; the version on this page at the time you buy or book is the one that applies to you.

Note for Laura and Dorothy: this is a proposal, not legal advice. Decisions still needed: the corporate cancellation ladder in section 5, and a lawyer's check of the consumer-withdrawal wording, which is the one place a mistake costs money.