Terms of service

1. Who we are

Checked.be is a service of:

Company

WhileLoop BV

Registered seat

Hundelgemsesteenweg 722B, 9820 Merelbeke-Melle, Belgium

Enterprise number

0716.802.779

VAT number

BE 0716.802.779

Register of legal entities

RPR Ghent (enterprise court of Ghent)

General contact

contact@checked.be

Privacy and GDPR

privacy@checked.be

In these terms "we" or "Checked" always means WhileLoop BV. "You" is the person or business using the service.

2. What Checked does

Checked bundles official Belgian public sources into one dossier per company: the Crossroads Bank for Enterprises (KBO/CBE), publications in the Belgisch Staatsblad, annual accounts filed with the National Bank, and public property and permit data. On top of those facts we add our own interpretation: scores, ratios, sector comparisons, signals and summaries.

That interpretation is decision support, not advice. Checked is not a credit rating agency, not an accountant, not a law firm and not a debt collector. Our scores and signals are not a credit rating within the meaning of the EU rating rules and may not serve as the sole basis for a decision with legal effects for a person, such as granting or refusing credit, a hiring decision, a lease or an insurance policy.

The service is aimed primarily at professional use, but anyone may use it. If you are a consumer, mandatory consumer-protection rules apply in full alongside these terms.

3. Your account

• A large part of Checked works without an account. A watchlist, alert rules, exports and the paid features do require one.
• You register with an email address and a password of at least eight characters. One account belongs to one user; you do not share your credentials.
• You are responsible for what happens under your account. If you suspect misuse, tell us immediately and change your password.
• After five failed sign-in attempts we lock the account for fifteen minutes. That is a defence against automated attacks, not a penalty.
• We may suspend or close an account for a serious or repeated breach of these terms, or where the law requires it. Where reasonable we warn you first and give you a chance to put it right. If you had paid in advance for a period you can then no longer use, we refund that part, unless the breach involves fraud or intent.
• You can stop at any time. To have your account and personal data deleted, write to privacy@checked.be; we confirm deletion within thirty days.

4. Plans, price and payment

• There is a free plan and one paid plan, Plus. What each plan contains is on the pricing page; that page is at all times the current description of the service.
• Plus costs 19 euro per month, excluding VAT. The exact amount payable, including any VAT and discount codes, is shown on the payment screen before you confirm. The price shown there is the price that applies.
• The subscription runs per month and renews automatically for another month for as long as you do not cancel. No annual contract, no minimum term, no cancellation fee.
• You pay through Stripe, on a payment page hosted by Stripe. Your card details never reach our servers: we only keep your Stripe customer id, your Stripe subscription id and which plan you are on.
• You manage your invoices and payment method in the Stripe customer portal, which you open from your account settings.
• If a payment fails, Stripe retries. You keep your access during those retries. If payment ultimately fails, your account falls back to the free plan.
• We do not offer a trial period. Discount codes are accepted at the payment screen when we issue them.
• If the price changes, the new price only applies from the month following an announcement of at least thirty days. Until then you can cancel at the old price.

5. Cancelling and your data afterwards

You can cancel at any time, without reason and without cost, through the Stripe customer portal in your account settings. Before you confirm, the portal tells you when the cancellation takes effect. If that does not work for any reason, one message to contact@checked.be is enough and we cancel for you.

What happens next: your account stays and falls back to the free plan. Your watchlist, alert rules and settings remain, even if your watchlist is larger than the free limit; you simply cannot add to it until you are back under that limit. The paid features close. We delete none of your own data merely because you cancelled.

Want everything gone? Ask for your account to be deleted via privacy@checked.be. What we still have to keep after that, and for how long, is set out in the privacy policy.

6. Consumer right of withdrawal

If you take the subscription as a consumer, meaning outside your trade, business, craft or profession, you have fourteen calendar days to change your mind, counting from the day you take out the subscription. Within that period you may withdraw without reason and without cost.

We do not ask you to waive that right when you order, and we start the service immediately. If you withdraw within the fourteen days, we refund the full amount within fourteen days of your message, using the same means of payment you used.

To withdraw, send an unambiguous statement to contact@checked.be. You may use the model form below, but you do not have to.

7. Availability

We do our best to keep Checked continuously available, but we promise no availability percentage. No SLA applies to the self-service plans. Maintenance, outages at our suppliers or at the official sources can interrupt the service or make it incomplete. Where we can, we then show what we do have, with an honest note that a block is missing.

If you do want guaranteed availability, for example for API use inside your own product, we set that out separately in writing. Contact enterprise@checked.be.

We may add, change or discontinue features. If we discontinue a feature that is part of your paid plan, we notify you at least thirty days in advance and you may cancel before the change takes effect.

8. Permitted use

You may use Checked for your own business or personal decisions: screening a customer, following a supplier, exploring a sector, preparing a file. That is what the service is built for. Not permitted:

• Automated extraction of the website (scraping, crawling, bulk downloads) beyond normal browser use. For volume work there is the API; request access via contact@checked.be.
• Reselling, republishing or redistributing a substantial part of our data, or building a competing database from it.
• Use to harm a natural person: intimidating, stalking, blackmailing, discriminating, or publicly pillorying someone.
• Using personal data from Checked for unsolicited commercial messages to natural persons.
• Using a Checked score, signal or summary as the sole basis for a decision with legal effects for a person.
• Circumventing security, rate limits, plan restrictions or authentication, sharing accounts or API keys, or overloading the service.
• Probing the software for vulnerabilities without our written permission. If you happen to find one, report it via contact@checked.be; we treat such a report with thanks, not with a lawyer.

If you reuse personal data from Checked inside your own organisation, you become a controller for that use and the ordinary GDPR obligations apply to you.

9. Sources and accuracy

We show what the official sources publish, with a source reference. We do not guarantee that those sources are correct, complete or up to date: that is outside our control. Gazette publications are moreover partly machine-read, and that reading process can make mistakes.

If something is wrong, tell us with the enterprise number and what is incorrect. If it is a source error, you correct it at the source (KBO via the business counter, the gazette via the competent court registry, annual accounts via the National Bank) and our page follows automatically. If it is a processing error on our side, we fix it.

10. Checked AI

In some places you can ask Checked AI a question, have a due-diligence brief drafted or have a business idea assessed. Those features send your question, together with the public dossier data, to a language model operated by Anthropic in the United States, which drafts the answer. What that means for your data is set out in the privacy policy.

An AI answer can be incomplete or wrong, even when it sounds confident. It is a reading aid for the dossier, not legal, tax, accounting or investment advice. Check what you use against the source documents shown on the page. Do not type sensitive or confidential information into the question field.

11. Intellectual property

The facts from the public registers belong to no one: they stay free. Ours are the software, the design, the texts, the scores, the models and the way we bring it all together, including the database right in the compiled database.

As long as you comply with these terms, you receive a non-exclusive, non-transferable and revocable right to consult Checked and use the results internally in your organisation. Sharing individual figures, quotes or a screenshot is fine, with a "Checked.be" source reference. Taking or republishing a substantial part requires our written permission.

12. Liability

Checked provides decision-support information. The decision itself, and its consequences, remain yours. We are not liable for damage arising from inaccuracies in the official sources, from the interpretation you give to our data, or from using an AI answer without checking it.

For the rest, our liability is limited to direct damage and, per incident and per calendar year combined, to the amount you paid us in the twelve months before the incident, with a minimum of 100 euro. Indirect damage such as lost profit, lost customers, reputational harm or data loss is excluded.

These limitations do not apply in case of fraud, intent, gross negligence, damage to life or physical integrity, and not in cases where the law forbids a limitation. If you are a consumer, these terms do not affect your statutory rights.

13. Changes

We may adapt these terms, for example when the service changes or the law requires it. Every new version appears on this page with its date. If a change materially affects your paid subscription, we notify you at least thirty days in advance through the contact details on your account. If you disagree, you can cancel before the change takes effect; if you keep using the service afterwards, the new version applies.

14. Governing law and courts

These terms and the use of Checked are governed by Belgian law. Disputes are brought before the competent courts of the judicial district of East Flanders, where our seat is located.

If you are a consumer, the statutory jurisdiction rules that protect you continue to apply in full: you can always sue us before the court of your domicile, and we can only sue you there.

If a provision of these terms is void or unenforceable, the other provisions remain in force and we replace that provision with a valid rule that comes as close to it as possible.

15. Complaints and disputes

If you have a complaint, send it first to contact@checked.be. We acknowledge receipt and try to resolve it within fourteen days. In practice we read and answer everything ourselves.

If we cannot resolve it together and you are a consumer, you can turn free of charge to the Belgian Consumer Mediation Service, Koning Albert II-laan 8 box 1, 1000 Brussels, 02 702 52 00, contact@consumentenombudsdienst.be, consumentenombudsdienst.be. That service mediates or refers you to the competent sectoral ombudsman. You can also report an infringement to the FPS Economy via meldpunt.belgie.be.

If your question concerns personal data, it belongs at privacy@checked.be. Your rights and the route to the Data Protection Authority are described in the privacy policy.