Terms

Kolkworks (kolkworks.com), based in the Netherlands. Last updated: 2 September 2026.

1. Who you buy from

Digital products on our own sites are sold by Polar (polar.sh) as merchant of record. Polar's

terms (https://polar.sh/legal/terms) govern the purchase, billing and taxes. Products sold through a

marketplace (Etsy, Udemy, the Chrome Web Store) are governed by that marketplace's terms of purchase.

These terms cover your use of the product and our websites.

2. Licence

Unless the product page says otherwise, a purchase gives you a personal, non-exclusive,

non-transferable licence to use the product for your own work, including commercial work you do for

clients. You may not resell, redistribute or repackage the product itself, and you may not share

licence keys. Marginbook has no licence key or activation limit: you receive the workbook itself and use it on the computers you work on.

3. Prices, updates and availability

Prices are in euros and include VAT where it applies; the merchant of record shows the exact amount

before you pay. Your purchase includes the version you bought plus free corrections and fee-table updates for 2026, delivered through the store you bought from.

4. Support

Support is by email at support@kolkworks.com, in English or Dutch. First-line support is handled by

an AI assistant and is labelled as such; a human reviews escalations. You can ask for a human at any

time.

5. No professional advice

Our products help you do your own work. They are not legal, tax, accounting, compliance or

examination advice, and the result depends on what you put in. Where a product generates reports,

checks or practice questions, verify the outcome before you rely on it. We do not guarantee an exam

result, an audit outcome or complete accuracy.

6. Liability

Nothing in these terms limits liability that cannot be limited under Dutch law. Beyond that, our

total liability for any claim related to a product is limited to the amount you paid for it. We are

not liable for indirect damage such as lost profits or lost data.

7. Withdrawal and refunds

EU consumers have a 14-day right of withdrawal for digital content. At checkout you consent to

immediate delivery and waive that right where the law allows, which the merchant of record handles.

On top of the legal minimum we offer a 14-day full refund; see the Refund Policy.

8. Governing law

Dutch law applies. Disputes go to the competent court in the Netherlands, unless mandatory consumer

law says otherwise.

Contact

support@kolkworks.com