Article 1 – Definitions
1.1. Lease Point: Lease Point B.V., with its office at Atoomweg 6b, 9743 AK Groningen, registered in the Dutch Commercial Register under Chamber of Commerce (KvK) number 42159118, and contactable at info@lease-point.nl.
1.2. Client: any individual or legal entity acting in the course of a trade, business or profession who requests Services from Lease Point or enters into an agreement with Lease Point.
1.3. Provider: a bank, leasing company, lender, insurer, authorised agent or other third party that offers a financial product or another type of agreement.
1.4. Service: the provision of credit by Lease Point where expressly agreed in writing, finance leasing, financial intermediation, and arranging or advising on lease, financing, insurance and other agreements.
1.5. Financing Agreement: the credit, lease, insurance or other agreement that the Client enters into directly with a Provider, or with Lease Point where Lease Point expressly acts as the provider or lender itself.
1.6. In Writing: by letter or electronic means, including email, a digital application form, a client portal or an electronic signature, provided that the communication can be stored and accessed later in an unchanged form.
Article 2 – Applicability and Formation of Agreements
2.1. These terms and conditions apply to every application, quotation, engagement and agreement under which Lease Point provides Services, and to all subsequent and additional engagements.
2.2. The applicability of any general terms and conditions of the Client is expressly rejected.
2.3. In the event of a conflict, the separate written agreement with Lease Point takes precedence, followed by these terms and conditions. The relevant Provider's terms and conditions also apply to the Financing Agreement. If these terms and conditions conflict with those of the Provider, the Provider's terms and conditions govern only the legal relationship between the Client and that Provider.
2.4. An agreement with Lease Point is formed when Lease Point accepts the engagement in writing or begins performing it, or when the Client accepts an offer from Lease Point. A Financing Agreement is formed only in accordance with the relevant Provider's acceptance procedure.
2.5. The Client must be able to save these terms and conditions before or at the time of entering into the agreement. By accepting the engagement or agreement, the Client confirms that these terms and conditions were received before the agreement was concluded and that the Client accepts them.
Article 3 – Lease Point's Role
3.1. Unless expressly stated otherwise in a separate agreement, Lease Point acts as an independent intermediary or broker and not as the lender, lessor, insurer, seller or supplier of the asset.
3.2. Lease Point assesses the application, may provide information and introduces the Client to one or more Providers. Where an external Provider is the contracting party, Lease Point does not decide on acceptance, credit limits, interest rates, contract duration, security, disbursement or delivery.
3.3. Lease Point does not guarantee that an application will be accepted, that financing will be available by a particular date, or that a particular offer is the cheapest or most favourable offer on the market.
3.4. Lease Point acts solely within the scope of applicable licences, registrations, exemptions and cooperation arrangements. Any services disclosure document, information document or commission disclosure applicable to the Service forms part of the pre-contractual information.
3.5. Lease Point performs its Services with due care and to the best of its judgement and ability. Unless a specific result has been expressly promised in writing, Lease Point is required to use reasonable endeavours but is not required to achieve a particular result. Any stated performance or response times are target timeframes and are not strict deadlines.
3.6. Lease Point may engage third parties to perform the Services and provide them with information to the extent necessary and lawful. To the extent permitted by law, these third parties may also rely on the limitations of liability in these terms and conditions.
Article 4 – Applications, Information and Cooperation
4.1. The Client must provide, in a timely manner, all information and documents that Lease Point or a Provider reasonably requires, including information relating to identity, business activities, finances, tax, ownership and provenance.
4.2. The Client warrants that all information provided is complete, accurate, up to date and not misleading. The Client must immediately report any changes that may be relevant to the application or agreement.
4.3. Lease Point and Providers may verify the information provided against public registers, business information agencies, fraud prevention systems and other lawful sources. The assessment may include a creditworthiness or integrity check.
4.4. Lease Point may suspend or discontinue processing an application if information is missing or appears to be incorrect, if identity or authority cannot be established, or if there are risks relating to statutory integrity requirements, sanctions or fraud.
4.5. The Client is responsible for conducting its own business, tax and legal assessment and must engage an accountant, tax adviser or legal adviser where necessary.
Article 5 – Quotations, Calculations and Acceptance
5.1. Online calculations, monthly payments, interest rates, contract durations, balloon payments, estimates and example offers are non-binding and may change as a result of acceptance policies, market conditions, the Client's details, or the characteristics and availability of the asset.
5.2. An offer is valid for the period specified in it and is subject to the conditions and reservations it contains. Lease Point is not bound by obvious errors, calculation errors, typographical errors or mistakes.
5.3. Acceptance becomes final only after written approval by the authorised Provider, completion of the required checks, legally valid signing and fulfilment of any conditions precedent.
5.4. Before signing, the Client must check all amounts, the interest rate, the contract duration, the balloon payment, security requirements, obligations, costs, tax implications and details of the asset.
Article 6 – Advice and Selection of Providers
6.1. Before or when providing the Service, Lease Point will indicate whether it is providing advice or only acting as an intermediary or providing information. Unless Lease Point has been expressly engaged in writing to provide advice, the Client is responsible for determining whether a product is suitable for its business.
6.2. Lease Point may work with a limited group of Providers and is not obliged to review the entire market. Upon request, Lease Point will inform the Client, to the extent required by law or reasonably possible, about the nature of the comparison and relevant business relationships.
6.3. Advice is based on the information provided by the Client and on the products and terms available at that time. Incorrect, incomplete or changed information may affect the outcome.
Article 7 – Fees and Commissions
7.1. Lease Point may receive a fee from the Client, or a commission or other remuneration from a Provider or business partner, for its Services, to the extent permitted by law. The nature and amount of such remuneration will be disclosed to the extent required by law.
7.2. Amounts charged directly to the Client are exclusive of VAT and other levies, unless otherwise stated in writing, and must be paid within fourteen days of the invoice date.
7.3. In the event of late payment, the business Client owes statutory interest applicable to commercial transactions and reasonable out-of-court collection costs without any further notice of default being required, without prejudice to the right to full compensation for loss to the extent permitted by law.
7.4. If no Financing Agreement is concluded, any advisory, application processing or brokerage fee agreed in writing in advance remains payable, unless otherwise agreed in writing.
7.5. An objection to an invoice does not suspend the obligation to pay. The Client may only set off a counterclaim or suspend payment to the extent that the counterclaim has been acknowledged in writing by Lease Point or established by a final court judgment that is no longer subject to appeal.
7.6. Payments are applied first to costs and interest and then to the oldest outstanding principal amount. If Lease Point has reasonable doubts about the Client's ability to pay, it may require appropriate security before continuing to perform the Services.
Article 8 – Asset, Supplier and Delivery
8.1. Lease Point is not the seller or supplier of the vehicle, machine or other asset, unless expressly agreed otherwise in writing.
8.2. The Client is responsible for selecting and assessing the asset and the supplier, inspecting the asset, and checking matters including its condition, mileage, maintenance, history, registered ownership, VAT or margin scheme status, warranties, permits and suitability. Lease Point provides no guarantee in respect of these matters.
8.3. Agreements concerning purchase, delivery, trade-in, warranty, repair, maintenance and conformity with the contract are between the Client and the supplier. A dispute with the supplier does not suspend payment obligations to the Provider or Lease Point, unless mandatory law or the Financing Agreement provides otherwise.
8.4. The availability, conditions and financial consequences of full or partial early repayment are determined solely by the Financing Agreement and the relevant Provider. Lease Point makes no commitment in this regard unless it has expressly confirmed that commitment in writing on behalf of the Provider.
Article 9 – Insurance
9.1. Where Lease Point acts as an intermediary for insurance or provides advice on insurance, it provides the information required by law about its capacity, services, remuneration and complaints procedure.
9.2. Cover takes effect only after acceptance by the insurer and on the commencement date stated in the policy. The insurance is governed by the policy terms, exclusions, excesses and disclosure obligations specified by the insurer.
9.3. The Client must check the policy and immediately report any inaccuracies or relevant changes in risk. Lease Point does not guarantee that an insurer will provide cover or pay a claim.
Article 10 – Compliance, Fraud and Sanctions
10.1. Lease Point may conduct client due diligence and request information to comply with applicable laws and regulations, including rules on integrity, sanctions, fraud, money laundering and terrorist financing.
10.2. Lease Point may refuse, suspend or terminate a Service and share information with competent authorities or the Providers involved where it is legally required to do so or has a legitimate basis for doing so. Lease Point is not required to provide information where disclosure is prohibited by law.
Article 11 – Electronic Communications
11.1. The parties may communicate electronically and sign agreements electronically. The Client is responsible for providing accurate contact details, securing access to accounts and checking messages in a timely manner.
11.2. Lease Point may rely on messages that appear to originate from addresses or accounts specified by the Client, unless Lease Point knew or should reasonably have suspected that they were being used without authorisation.
11.3. Use of the internet, email or a portal may involve disruptions or security risks. Lease Point takes appropriate measures but does not guarantee uninterrupted or error-free availability.
11.4. With the Client's consent, communications may also take place via WhatsApp. The Client may withdraw that consent at any time. Any agreement or commitment made via WhatsApp that departs from the existing arrangements is binding on Lease Point only once Lease Point has confirmed it in writing.
Article 12 – Privacy and Confidentiality
12.1. Lease Point processes personal data in accordance with applicable data protection legislation and its privacy policy. The privacy policy is separate from these terms and conditions and contains information about processing purposes, legal bases, recipients, retention periods and data subjects' rights.
12.2. The parties must keep confidential business information secret, except where disclosure is necessary for the engagement, is made to professional advisers or Providers, or is required by laws, regulations or a lawfully issued order.
Article 13 – Liability
13.1. Lease Point is liable for direct loss resulting directly from a breach of its obligations for which it is responsible. Liability for indirect loss, including consequential loss, loss of profit, loss of anticipated savings, business interruption and loss of data, is excluded.
13.2. Lease Point is not liable for decisions, failures to perform, price changes, delays or insolvency on the part of Providers, suppliers or other third parties, unless Lease Point is held responsible for the relevant conduct under mandatory law.
13.3. Lease Point's total liability per event or series of related events is limited to the amount paid out under its liability insurance, plus the applicable excess. If no insurance payment is made, liability is limited to the amount paid by the Client to Lease Point for the relevant Service, subject to a maximum of €10,000.
13.4. These limitations do not apply in the event of wilful misconduct or deliberate recklessness by Lease Point's management, or to the extent that an exclusion or limitation is not permitted under mandatory law.
13.5. The Client must notify Lease Point in writing of any potential claim as soon as possible and give Lease Point the opportunity to mitigate the loss and conduct an investigation. Any right to bring legal proceedings lapses twelve months after the Client became aware, or could reasonably have become aware, of the loss and the potential liability, unless mandatory law provides otherwise.
Article 14 – Force Majeure
14.1. Lease Point is not required to perform an obligation for as long as performance is prevented by a cause beyond its reasonable control, including disruptions to communication, payment or IT services, cyber incidents, government measures, disruptions affecting Providers, strikes, epidemics and natural disasters.
14.2. If the force majeure event continues for more than sixty days, either party may terminate the part of the agreement that has not yet been performed by giving written notice, without liability for damages. Work already performed will be charged on a proportionate basis.
Article 15 – Duration, Suspension and Termination
15.1. An engagement ends upon completion of the Service, unless a specific duration has been agreed. Lease Point may suspend performance or terminate the engagement with immediate effect if the Client materially breaches its obligations, provides incorrect information, is declared bankrupt, applies for a suspension of payments or ceases trading, or if continuation may conflict with laws, regulations or integrity policies.
15.2. Termination of the engagement with Lease Point does not automatically terminate a Financing Agreement with a Provider. The Provider's terms and termination rules apply to that agreement.
15.3. The business Client has no statutory right of withdrawal, unless mandatory law provides otherwise in the particular case or a cooling-off period has been granted in writing.
15.4. If several individuals or legal entities act jointly as the Client, they are jointly and severally liable for all obligations towards Lease Point. If the business is continued by another party or transferred, the original Client remains liable until Lease Point has released that Client in writing, without prejudice to any liability of the successor.
Article 16 – Complaints
16.1. A complaint must be submitted in writing as soon as possible to info@lease-point.nl, stating the Client's contact details, the case reference, a description of the complaint and any relevant supporting documents. Lease Point will acknowledge receipt and handle the complaint within a reasonable period.
16.2. If Lease Point is affiliated with a competent external dispute resolution body and the dispute falls within that body's remit, the Client may refer the dispute to that body after completing the internal complaints procedure. Lease Point will provide the relevant information.
Article 17 – Intellectual Property and Website Use
17.1. All rights in Lease Point's websites, texts, calculations, models, trade names, trademarks, designs and other materials remain vested in Lease Point or its licensors.
17.2. The Client may use these materials solely for its own application and may not publish, reproduce, commercially exploit or extract them by automated means without prior written consent.
Article 18 – Transfer, Amendments and Severability
18.1. The Client may not transfer any rights or obligations in relation to Lease Point without prior written consent. Lease Point may transfer its contractual relationship to a group company or legal successor, provided that this does not materially prejudice the Client's position.
18.2. Lease Point may amend these terms and conditions. For ongoing agreements, Lease Point will give at least thirty days' prior notice of any material amendment. If the amendment materially and adversely affects the Client's position, the Client may terminate the relevant ongoing agreement before the amendment takes effect, unless the amendment is required by laws or regulations or cannot be delayed.
18.3. If a provision is void, voidable or unenforceable, the remaining provisions remain in effect. The parties will replace the relevant provision with a valid provision that reflects its purpose and intent as closely as possible.
18.4. Failure to exercise a right immediately does not constitute a waiver of that right.
Article 19 – Governing Law and Jurisdiction
19.1. All legal relationships with Lease Point are governed by Dutch law.
19.2. Disputes will be submitted to the competent district court for the district in which Lease Point has its registered office, unless mandatory law designates another court.
19.3. In the event of any discrepancy between the Dutch text of these terms and conditions and a translation, the Dutch text prevails.
Article 20 – Final Details
20.1. Version: 14 September 2026. This version applies to agreements entered into on or after that date.
20.2. The current terms and conditions are available at https://lease-point.on-forge.com/en/terms-and-conditions and can be sent electronically free of charge upon request.