HISWA GENERAL TERMS AND CONDITIONS OF CONTRACTING WORK, SALES AND DELIVERIES
These General Terms and Conditions of Contracting Work, Sales and Deliveries of HISWA Association (Dutch Association of Proprietors in the Water Sports Industry) have been drawn up in consultation with the Consumers’ Association and the ANWB under the Self-Regulation Coordination Group of the Sociaal-Economische Raad (Social Economic Council). Deposi- ted at the Court Registry in Amsterdam on 1 April 2011 under number 40/2011.
HISWA Association shall take action against any misuse, so it can also genuinely achieve the desired exclusivity. Members are therefore requested to inform the HISWA office if misuse is noticed. To enforce this, copyright has been established on the various texts.
ARTICLE 1 - DEFINITIONS
The prices stated in these General Terms and Conditions are inclusive of purchase tax (BTW) and in these conditions the following words mean:
Proprietor: natural or legal person who, as a member of
HISWA Association, draws up a contract relating to a
vessel or part of a vessel.
Consumer: natural person who does not act in a profes-
sional or business capacity and who enters into a con-
tract relating to a vessel or part of a vessel.
Vessel: an object that is constructed to remain in water and to move in it, including the pieces of equipment that form part of it and the contents. Also, the hull of a vessel
Open book contract with fixed profit: contract in which a
price is paid for the actual costs involved in implementing
the work, plus a surcharge for general costs and profit.
Electronic: by e-mail or website.
ARTICLE 2 - APPLICABILITY
These General Terms and Conditions apply to every of- fer and to each contract of purchase, sales, construction, preservation, completion work, installation of fittings, re- pair or maintenance of vessels or parts of vessels, as well as of all other contracts resulting from these, as drawn up between the proprietor and consumer.
These Terms and Conditions can be translated from Dutch into a foreign language. Should there be any dif- ferences in the texts as a result of the translation, the Dutch text prevails.
ARTICLE 3 -THE OFFER/THE QUOTATION
The proprietor makes the offer orally, in writing or in electronic form.
An oral offer must be accepted immediately, otherwise it will lapse, unless a period has been defined for accep- tance.
The written or electronic offer is dated and is irrevocable during the acceptance period or, if a period has not been defined, for ten working days after the offer date.
The offer contains a complete and accurate description of the items to be supplied and/or the work to be carried out, including a statement of:
- prices, measurements, weight and delivery date and,
if relevant, engine power and speed;
- variable or fixed price/contract price or open book
contract with fixed profit with or without a recommen-
- designs, images, drawings, sketches and/or specifi-
cations in so far as these are required for the propo-
- for installing fitted structures and renovations when
directly related to the purchase, the separate price (contract price) and the time required for installing fit- tings and for renovating.
5. The offer states when the work will begin and gives an indication of the time of delivery.
6. All designs, images, drawings, sketches, specifications, calculations and other instructions and clarifications sup- plied together with the offer for installing fittings or for re- novation or for repair remain the property of, or continue to be held by, the person supplying them. They are pro- tected under the Copyright Act (Auteurswet) and may not be given to third parties unless this is necessary for car- rying out restoration, repair and/or maintenance work.
7. The offer is accompanied by a copy of these General Terms and Conditions.
ARTICLE 4 - THE CONTRACT
1. The contract is finalised when the consumer accepts the offer. If the assignment is granted electronically, the pro- prietor sends an electronic confirmation to the consumer.
2. The contracts are preferably recorded either in writing or electronically.
3. If the contract is in writing, a copy should be sent to the consumer.
4. A contract regarding renovation or repair is related solely to the work activities that the proprietor can reasonably have expected.
ARTICLE 5 - THE PRICE AND PRICE ALTERATIONS
Unless nothing else has been specifically agreed, there is a fixed sales price or a fixed contract price and the fol- lowing provisions are applicable:
In the event of the consumer desiring additions or
changes in the agreed work, the proprietor can only claim a price increase if he has given timely notice of the price rise to the consumer, unless the consumer could reasonably be expected to understand this.
The proprietor can, at any time, incorporate changes to taxes, excise duties and other such government levies in both the agreed fixed and variable prices.
The proprietor has the right to charge any extra costs that arise from changes in the work or an interruption in the work activities, if they are caused by circum- stances not attributable to the proprietor and which could not have been foreseen by the proprietor when the price was agreed.
If the circumstances are as described in this para- graph under c, and also if the extent of the work turns out to be greater than foreseen, the proprietor should immediately suspend work and discuss toge- ther with the consumer whether or not to continue with the work and how to do so. The proprietor is, in any case, entitled to payment for work already car- ried out and to cover any costs related to this work.
If supplementary contracts have a particularly signifi- cant influence on the price, the delivery time, the measurements, weight and, if relevant, the engine
power and speed, the proprietor should submit a no-
tification of these facts.
If the parties have agreed on a variable purchase price
or variable contract price, the following provisions are ap- plicable:
At the request of either party, each increase or de-
crease in price will, if this affects the purchase price or the contract price, be passed on if the increase or decrease takes place more than three months after entering into the contract and there has been no deli- very, or if the intended work has not been carried out or not yet completely carried out. However, the pro- prietor shall not pass on the price changes if the or- der was placed before the price increase could affect the purchase price or contract price.
An increase or decrease in price is understood to in- clude a change in the currency exchange rate that applied when the supplied materials or goods were paid in relation to the currency exchange rate under- lying the purchase price or contract price.
Each increase or decrease in salary or other condi- tions of work in the collective wage agreement or bin- ding pay regulations as applied by the proprietor, and any increase or decrease in social premiums that oc- cur, can be passed on by the proprietor if these chan- ges affect the contract price and if they take place more than three months after entering into the con- tract.
If as a result of increasing prices as described in this paragraph, the purchase price or contract price rises by more than 15%, the consumer has the right to ter- minate the contract.
If the parties have agreed to a recommended price and the work can be carried out according to the description applying to it, the price increase or decrease may amount to no more than 10%.
ARTICLE 6 - DELIVERY TIME/DELIVERY
Delivery time is understood to mean the period between, on the one hand, the date on which the purchase con- tract is drawn up or alternatively the assignment to build, renovate, complete construction work or install fittings is given and, on the other hand, the agreed date of delivery ex works or depot in the Netherlands.
The proprietor is required to inform the consumer in wri- ting, with a statement of the reasons, as soon as it is ex- pected that the delivery time will be overrun and, if possi- ble, to indicate the extent of the overrun.
The delivery time is extended by any delayed period that is a reasonably foreseeable consequence of omissions on the part of the consumer. An omission is here under- stood to mean that the consumer fails to comply with a commitment to the proprietor with regard to the vessel. This is certainly the case if the consumer, despite timely notice, does not pay the debt owing to the proprietor on time. In addition, any costs that arise from omissions that are foreseeable and an expected consequence of the empirical rules will also be at the expense of the consu- mer.
The proprietor is in default only if the delivery period overruns by more than 15% as a result of causes attribu- table to the proprietor. If this period is overrun, the con- sumer has right of suspension or termination as laid down in Article 17.
The delivery takes place ex-works in the Netherlands. However, if a trial run takes place prior to delivery, the delivery is made to the place agreed on for the trial run.
The proprietor shall, prior to delivery of the vessel or other items to be delivered, offer the consumer the op- portunity to inspect (or arrange inspection of) the vessel or other items referred to.
In the event of repairs, renovations, installation of fit-
tings, completion work or maintenance work, the pro- prietor shall offer the consumer the opportunity to in- spect (or arrange inspection of) the work carried out. If a trial run (prior to delivery) has been agreed, the pro- prietor shall offer the consumer the opportunity to take this trial run either before delivery or completion.
7. The consumer must make use of the opportunity to make an inspection and/or trial run within twenty working days of receiving the proprietor’s notification.
If the consumer does not make use of the opportunity of- fered him within this period of twenty working days, the vessel or the item is deemed to have been delivered, un- less a situation of ‘circumstances beyond the consu- mer’s control’ arises.
8. If delivery has taken place or is deemed to have taken place as described in paragraph 7, the risk regarding the delivered item is transferred to the consumer.
9. If the consumer fails to take delivery of the vessel or other items, they are stored, at the cost and risk of the consumer.
ARTICLE 7 - PARTS TO BE REPLACED AND TRADE-IN
1. The parts to be replaced will be made available to the consumer after the assignment has been carried out if the consumer explicitly requested this when giving in- structions for maintenance or repair. This does not apply to parts which have to be set apart due to guarantee claims; in that case, the parts will only be made available once the guarantee claims have been processed.
In all other cases, the parts to be replaced become the property of the proprietor, without the consumer being able to claim payment of any kind regarding this matter.
2. If the consumer, on purchasing a vessel or newly built vessel or another item, has agreed that he shall trade in a used vessel or other item, the traded-in vessel or other item only becomes the property of the proprietor after delivery has actually taken place. If the consumer conti- nues to use the vessel or the item to be traded in while waiting for the delivery of the new vessel or item, any da- mage or loss, whatever the cause, is at the expense and risk of the consumer.
ARTICLE 8 - CONFORMITY
1. The proprietor vouches for the delivered item conforming to the agreement (conformity). The proprietor further- more ensures that, taking all circumstances into account, the item possesses the properties that shall be necessa- ry for normal use, as well as for special use, if that has been agreed.
2. The proprietor vouches for the work to be carried out by him, that it conforms to the contract, and that it is carried out to a high standard, making use of sound material.
3. Unless otherwise agreed because of specific demands, the following deviations are possible during implementa- tion of the contract:
± 1% length of the stem and stern;
± 1% over the whole width;
± 1% depth;
± 5% draught;
± 2% headroom under the beams;
± 1% maximum height above water surface; ± 10% weight;
± 5% engine power and
± 10% speed (when equipment is standard).
4. The proprietor is not responsible for defects in the de- sign of the vessel if this design was not supplied by him-
Neither can the proprietor vouch for the usability and soundness of materials and pieces of equipment for which the application has been prescribed by the con- sumer or supplied by him.
If the proprietor knows about or could know about imper- fections in design or materials, as referred to in this para- graph, then the proprietor should inform the consumer about this matter.
5. The proprietor is not responsible for defects which arise after delivery and which appear to have been caused by normal wear and tear, inexpert use or lack of care, or that are the result of alterations that the consumer or third parties have made to the item that was delivered. Neither is the proprietor responsible for damage that re- sults from the aforementioned.
ARTICLE 9 - GUARANTEE
The guarantee described in this Article ensures the legal rights of the consumer remain unimpaired.
The guarantee concerns restoration, at the boatyard of the proprietor, of defects that were not noticeable at the time of purchase/delivery, as well as the restoration of defects that have arisen from normal usage during the guarantee period.
Article 8, paragraph 4 and 5 apply by analogy.
The consumer should consult the proprietor with regard
to implementation of the guarantee.
The consumer can, at the proprietor's expense, have es-
sential restoration carried out by a third party, assuming the costs of doing this are reasonable. When determi- ning reasonableness, the price levels of the proprietor are relevant.
The third party that is able to carry out essential restora- tion is chosen by the proprietor in consultation with the consumer. Restoration carried out by a third party is only possible:
if the proprietor is not able or willing to restore the defect at his own boatyard, or is unable to do that in time, or
if there is a disparity between the essential costs of transporting the vessel to the proprietor's boatyard and the costs of restoration at that boatyard, or
if the consumer’s circumstances dictate that he can- not be expected to allow restoration to be carried out at the proprietor's boatyard.
The claims to a guarantee lapse if:
the consumer does not inform the proprietor about
defects as soon as possible after noticing them;
the proprietor is not given the opportunity to restore
the defects at a later date;
third parties have, without the proprietor’s prior know-
ledge or permission, carried out work which is related to the work carried out by the proprietor and on which a claim is to be made under the guarantee.
Unless the consumer has explicitly stated in writing his wish to abandon the guarantee, the duration of the gua- rantee period is for:
a. new vessels, also including new parts/fittings, at least
twelve months after purchase;
used vessels with a purchase price of € 4500 or
more, at least six months after purchase. This gua-
rantee does not apply to used parts/fittings;
repair and maintenance work taken on by the pro- prietor or contracted out, including the materials used
to do this, at least three months.
This guarantee does not apply to emergency repairs.
The guarantee includes carrying out, at a later date and in the correct manner, the assignment that was either not done or not done well at the boatyard/company of the proprietor. The guarantee period commences at the mo- ment the vessel is again made available to the consu- mer.
Guarantee periods of six months or less are extended by a period equivalent to the period when the vessel is not in use because of winter storage.
ARTICLE 10 - PAYMENT
1. Payment takes place in cash at the time of purchase or delivery unless otherwise agreed. Making a cash pay- ment also includes transferring the amount due, at the moment of purchase or delivery, to the bank or giro ac- count indicated by the proprietor, or by paying with any form of electronic payment recognised by banks.
2. If payment in instalments has been agreed, the consu- mer should pay according to the instalments and percen- tages as laid down in the contract.
3. At the time of purchase, the proprietor and consumer can agree on a payment in advance of not more than 50% of the price.
ARTICLE 11 - OVERDUE PAYMENT
1. The consumer is in default once the payment date has passed. The proprietor sends a payment reminder once the date has passed and gives the consumer the chance to pay within fourteen days of receiving this payment re- minder.
If, after the date stated in the payment reminder, there is still no payment and the consumer is not able to plead circumstances beyond his control, the proprietor has the right to charge interest, once the payment date has passed. This interest is equal to the statutory interest plus 3% on an annual basis over the amount due.
2. If the consumer remains in default of payment after the payment reminder has been sent, the proprietor also has the right to increase the amount due by adding collection charges. Extrajudicial costs include all the costs that the proprietor has to charge for the services of lawyers, en- forcement agents and anyone he requires for the reco- very of the amount due.
The extrajudicial costs are determined as follows: 15% over the first € 2500 of the amount due;
10% over the next € 2500 of the amount due;
5% over the following € 5000 of the amount due; 1% over the following € 15,000 of the amount due.
3. Any complaints about invoices should be submitted to the proprietor, preferably in writing and adequately des- cribed and explained, within a reasonable period after the receipt of the invoice in question.
ARTICLE 12 - SECURITY RIGHTS DURING REPAIR AND MAINTENANCE
1. If payment is not made on time, the proprietor has the right to retain the vessel in question together with all the equipment, inventory and other accessories that belong to it until the consumer has paid the whole of the amount due, including the costs involved in right of retention, un- less the breach does not justify this retention. The pro- prietor’s right of retention lapses as soon as the consu- mer brings the dispute before the Disputes Resolution Committee, as described in Article 20, and the Commit- tee has confirmed to the proprietor that the consumer has deposited the amount due with the Committee.
2. If the consumer, after receiving the letter of demand, still neglects to pay the amount due, and the value of the vessel and all materials and accessories intended for it amounts to no more than € 10,000, the proprietor has right of sale and delivery, without legal intervention, pro- vided:
- the proprietor has demanded payment from the con- sumer by registered letter and the consumer still has not paid the amount owing six months after the date of this registered letter or has disputed the claim in writing, giving reasons, and
- after the aforesaid period of six months has passed, the proprietor has served a writ on the consumer de- manding that the consumer pay the amount owing within 15 working days, and payment has still not been made.
The right to sell lapses if the consumer has brought the dispute before the Disputes Resolution Committee as stated in Article 20 and has deposited the amount due by the said committee.
The proprietor is subject to the obligation to pay to the consumer, if possible, any differences between the sales proceeds and the amount the consumer owes.
The consumer is obliged in all cases to agree to deregis- tration if the vessel is registered in his name.
ARTICLE 13 - SECURITY RIGHTS WHEN ACCEPTING WORK
A vessel under construction and/or a new vessel as des- cribed in the purchase agreement (including all materials and accessories intended for the vessel) are the proper- ty of the consumer at the moment these items arrive at the boatyard or elsewhere when in the custody of the proprietor. The condition for this transfer of ownership is that the items in question are legally transferred to the proprietor by a third party.
The proprietor always has a pledge (including the right to summary execution) on the aforesaid items, as well as on the insurance monies, in order to pay for damages, for each unpaid part of the purchase or contract price if this is still due and also for every loss or damage suf- fered or to be suffered by him, if the consumer violates the contract.
The proprietor is required, in cases in which his subcon- tractor has invoked retention of title, to inform the consu- mer about this, as well as about the moment when the proprietor complies with the subcontractor’s conditions, and the items stated in paragraph 1 are legally trans- ferred into the possession of the consumer.
The consumer has the right during the period that his property has not been legally transferred because the subcontractor invoked retention of title, to defer future payment obligations.
The consumer has the right to require the proprietor (or someone representing him) to earmark those items that belong to him, in order to protect what he has agreed and in order to identify his property. A confirmation sent by the proprietor to the consumer that the referred to items have arrived means that the proprietor holds these items in keeping for the consumer (if necessary, sepa- rately).
Without prejudicing the proprietor’s pledge, a termination of the acceptance contract does not lead to the lapse of the consumer's aforesaid rights to ownership before ter- mination has been settled.
ARTICLE 14 - SECURITY RIGHTS WHEN SELLING NEW AND USED VESSELS
The vessel and/or parts as described in the purchase contract (including all the materials and accessories in- tended for the vessel) are deemed to be delivered to the consumer at the moment the parties have reached agreement and the consumer has made a down pay- ment.
Delivery takes place under retention of title, that is to say, the items delivered remain the property of the pro- prietor for as long as the consumer has not met all the payment obligations agreed to in the sales/purchase contract (including the insurance costs referred to in paragraph 4).
The risk attached to the item sold is transferred at the moment of delivery.
The proprietor is obliged to insure the vessel (for use by the consumer) against third-party liability, hull damage and theft from the moment of delivery as stated in para- graph 1 to the moment at which the consumer pays the complete purchase price. The consumer pays the cost of this insurance.
5. The consumer is not entitled to use the items supplied before the referred to transfer of ownership, other than for purposes of dealing with the purchase/sale contract, and is not entitled to sell the items supplied or to dispose of them in any way until the proprietor has received full payment.
6. The proprietor, prior to the referred to transfer of owner- ship, always has access to the items that are his proper- ty, wherever they may be located.
7. As soon as the consumer neglects to meet one or more of his obligations to the proprietor, all claims on the con- sumer can be made immediately and in full, and the pro- prietor is entitled, subject to the provisions in Article 11 and without judicial intervention, to exercise his rights re- garding his property in order to claim back his property. In the latter case, the proprietor is obliged to return the part of the purchase price already paid by the consumer, after deducting expenses.
ARTICLE 15 - LIABILITY
1. The proprietor is liable for any damage to the consumer as a result of omissions that can be ascribed to the pro- prietor, or to people he employs, or to people appointed by him to carry out the work assigned to him by the con- sumer.
2. The consumer is liable for any claims with respect to the proprietor if the damage can be ascribed to a shortco- ming on the part of the consumer or those associated with him.
ARTICLE 16 - CIRCUMSTANCES BEYOND ONE'S CONTROL
‘Circumstances beyond one's control’ is understood to mean every unforeseeable circumstance which delays or prevents the implementation of the contract, in so far as the proprietor is not able to avoid this circumstance, and is not required to bear the costs, according to the law, the contract or to generally accepted views. ‘Circumstances beyond one's control’ is also understood to mean a delay caused by materials not being supplied on time, if the delay is not attributable to circumstances that the proprietor could or should have been able to foresee or avoid.
If the situation or circumstance beyond one’s control re- sults in the proprietor deferring work, the consumer is al- so relieved of his obligations for that period.
After terminating the contract on grounds of circumstan- ces beyond one's control, the proprietor is entitled to the reimbursement of any costs incurred by him for reason of repair, construction, renovation, installation or comple- tion work, assuming the costs were incurred before it could be expected that these circumstances would lead to termination of the contract and in so far as the consu- mer has profited from the work done.
The proprietor cannot claim circumstances beyond his control if this situation arises after the agreed delivery period has overrun by 15% and is caused by his own actions or by circumstances he is responsible for.
ARTICLE 17- DEFERRAL AND TERMINATION
1. If one of the parties does not comply with their obligation, the other party is entitled to defer their compliance with the associated obligation. In the event of partial or inade- quate compliance, deferral is only permitted where the breach justifies that.
2. If one of the parties does not comply with their obliga- tions regarding the contract, the other party is entitled to terminate the contract, unless the breach is not justifia- ble due to the particular nature or minor significance of the breach. Should the need arise, the consumer is obli- ged to agree to deregistration, if the vessel is registered in his name.
ARTICLE 18 - INSURANCE FOR NEW CONSTRUC- TIONS, FOR RENOVATIONS AND FOR
COMPLETION OF WORK
The proprietor is required to take out adequate insu- rance for the vessel being built and for the materials in- tended for new constructions or renovations, pieces of equipment and other accessories in order to cover the time the vessel is at the boatyard as well as during the inspection and trial run up until delivery, the insurance being in his name and against all risks that a Dutch Bourse Hull Insurance policy for construction work, or an equivalent policy, covers.
The proprietor transfers his entitlement to receiving insu- rance monies to the consumer, the amount payable be- ing equal to the down payment already made by the con- sumer. The proprietor informs the insurance company that this has occurred.
Furthermore, the proprietor is required to warn the con- sumer if expiry of the insurance contract is imminent. The consumer is at all times entitled to defer his pay- ments if the proprietor has not been able to demonstrate his compliance with the aforementioned obligations.
The insurance monies to be paid out as the result of a claim shall be utilised for repairing the damage in a man- ner and at a cost agreed on by both parties.
The provision in the previous paragraph does not apply if the vessel is declared 'total loss'. In that case, the con- tract is deemed to be terminated.
ARTICLE 19 - COMPLAINTS
Complaints regarding the implementation of the contract should be made known to the proprietor in written or electronic form and should be described and explained adequately, within a reasonable period, once the con- sumer has noticed or should have noticed the defects.
Not submitting the complaint on time can lead to the con- sumer losing his right regarding the matter, unless it is unreasonable to blame this lateness on the consumer.
If it becomes clear that the complaint cannot be resolved by mutual consultation, a dispute situation has arisen.
ARTICLE 20 - DISPUTE SETTLEMENT RULES
Disputes between consumer and proprietor regarding the preparation or execution of contracts regarding services and items delivered or to be delivered by this proprietor, and to which these Terms and Conditions apply, can be brought by either the consumer or the proprietor before the Water Recreation Disputes Settlement Committee, Bordewijklaan 46, PO Box 90600, 2509 LP The Hague (www.sgc.nl).
The Disputes Settlement Committee mediates in a dis- pute only if the consumer has first submitted his com- plaint to the proprietor.
The Disputes Settlement Committee mediates in a dis- pute only if the dispute involves a sum of not more than € 14,000.
Disputes involving financial interests greater than € 14,000 may only be handled by the Committee if both parties explicitly agree to do so.
Once the complaint has been submitted to the proprietor, the dispute should be submitted to the Disputes Settle- ment Committee no more than three months later.
If a consumer brings a dispute before the Disputes Settlement Committee, the proprietor is bound to this de- cision. If the proprietor brings a dispute before the Dis- putes Settlement Committee, he is required to ask the consumer to declare within five weeks whether he a- grees to this. The proprietor is also required to announce that he will deem himself free to bring the dispute before the court, once the aforementioned period has ended.
7. The Disputes Settlement Committee pronounces its judgment with due regard for the terms of the regulation that apply to the Committee. The decision of the Dis- putes Settlement Committee is made in accordance with that regulation by way of a binding decision. The regula- tion is sent if required.
A fee is payable for hearing a dispute.
8. Only a court or the above-mentioned Disputes Settle-
ment Committee is authorised to take cognisance of dis- putes.
ARTICLE 21 - GUARANTEE OF COMPLIANCE/ PERFORMANCE BOND
1. HISWA Association guarantees that its members will comply with binding decisions, unless a member decides to submit the binding decision to the court for review within two months of the decision being issued. This gua- rantee is restored if the binding decision is upheld after review by the court and the ruling that demonstrates this has become definitive and is not open to appeal. An amount of up to € 10,000 maximum for each binding de- cision is paid to the consumer by the HISWA Associa- tion. In the case of amounts greater than € 10,000 for each binding decision, the consumer receives an amount of € 10,000. For larger sums, the HISWA Association is obliged to make strenuous efforts to ensure that the member complies with the binding decision.
2. Application of this guarantee demands that the consumer makes a claim to that effect in writing to HISWA Associa- tion and that the amount he claims from the proprietor is transferred to HISWA Association. If the amount claimed from the proprietor is more than € 10,000, the consumer is invited to transfer his payment claim, where this totals more than € 10,000, to HISWA Association, whereupon HISWA Association will request this to be paid under its own name and at its own cost in settlement to the consu- mer.
3. HISWA Association does not supply a performance bond if, before the consumer complies with the specific intake requirements relating to the handling of the dispute (pay- ment of complaint-filing fees, return of completed and signed questionnaire, and a deposit of an amount of mo- ney where applicable), one of the following situations holds:
- the member has been granted a moratorium;
- the member has been declared bankrupt;
- the company activities have effectively been termina-
The date on which cessation of company operations is entered into the Trade Register is the determining factor or an earlier date, for which HISWA Association can make a plausible case for demonstrating that company activities were effectively terminated.
ARTICLE 22 - APPLICABLE LAW
Dutch law is applicable in all disputes relating to this con- tract, unless another national law is applicable on grounds of mandatory rules.
ARTICLE 23 - DEVIATION FROM THE CONDITIONS
Individual deviations from these General Terms and Condi- tions, including supplements or additions, are required to be recorded in writing or in electronic form after agreement by both proprietor and consumer.
ARTICLE 24 - AMENDMENTS
HISWA Association shall amend these General Terms and Conditions only in consultation with the ANWB and the Con- sumers’ Association.