Terms of Service

Last updated 16 October 2026

These terms apply to your use of ETF Clarity and to the purchase of the full report. By buying the full report, you agree to them.

1. Who is the provider

ETF Clarity is a project by koersradar.nl, based in the Netherlands. Questions, complaints or comments can be emailed to info@koersradar.nl. Sale and payment run through Stripe as reseller; see section 3.

2. The service

• ETF Clarity analyses the ETFs and stocks you provide yourself (via screenshot or manual entry) and shows overlap, region, sector and currency breakdowns based on the most recently known factsheet data for those funds.
• A limited version of the report is free. The full report — the 15 largest underlying positions in your portfolio, the complete breakdown, and a PDF version — is sold as a one-off purchase.
• Fund data is collected automatically (using AI) from the fund issuers' factsheets and holdings lists and is not checked fund by fund by a person. For each fund we know the largest positions (usually up to 15), not the full composition; overlap between funds is calculated over those positions and can therefore come out lower than the actual overlap.
• ETF Clarity does not provide investment advice. The report is solely a factual, descriptive overview of the composition of the funds you enter yourself.

3. Price and payment

• The full report costs a one-off €4.99 (up to 10 positions) or €9.99 (11 positions or more). No subscription, no recurring charge.
• You can also buy credits upfront: 10 credits for €44.99, 50 for €212.50 or 100 for €399.99. A report of up to 10 positions costs 1 credit, a report of 11 positions or more costs 2 credits. Credits don't expire.
• After purchase you receive a credit code. Whoever holds the code can use the credits, so keep it safe. Because there are no accounts, we cannot link a lost code to you without your Stripe receipt.
• Credits are added to your credit code immediately after payment. Because you consent to immediate delivery when you buy them, the right of withdrawal also lapses for credits as soon as you purchase them (see section 5). Purchased credits, including unused ones, are therefore non-refundable.
• If we discontinue ETF Clarity, we will announce this on the site at least 30 days in advance and, on request, refund the purchase price of your unused credits.
• Payment runs through Stripe (card or Bancontact). Your payment details are processed directly by Stripe; we don't see or store your card or bank details.
• Stripe acts as reseller (merchant of record): you formally buy the report and the credits from Stripe, shown as Link on the payment page and receipt. Stripe collects the payment, remits VAT and answers questions about the payment itself. For the report, your credits, complaints and withdrawal, ETF Clarity remains your point of contact at info@koersradar.nl. Refunds are made through Stripe.
• Prices are in euros and, where applicable, include VAT.

4. Delivery

The full report is unlocked directly in your browser immediately after a successful payment. You can view it right away and save it as a PDF via your browser's print function. The report itself is not sent by post or email. So save the PDF yourself: we delete your report automatically within 24 hours (see the privacy policy).

The unlocked report and the PDF contain a confirmation of your purchase: the delivery date, and that you consented in advance to immediate delivery and acknowledged that you thereby lose your right of withdrawal for that report.

5. Right of withdrawal

For a distance purchase, EU consumers normally have 14 days to cancel the purchase free of charge. For digital content not supplied on a physical medium, this right lapses once:

• delivery has started with your prior express consent, and
• you have acknowledged that you thereby lose your right of withdrawal.

Because the report is delivered immediately after payment, we ask you to confirm this separately before payment via a checkbox next to the buy button, before you go to the payment page. You cannot proceed to payment without that confirmation. After that confirmation and payment, the purchase can no longer be withdrawn. The same confirmation applies when you buy credits: they are added to your credit code immediately after payment, so the right of withdrawal lapses for them too, including credits you haven't used yet. It also applies when you unlock a report with credits. The confirmation is also included in the report itself, so you keep it with the PDF.

6. Liability

• The report is based on the most recent, publicly available factsheet data for the relevant funds at the time it's looked up. We don't guarantee that this data is current, complete or error-free.
• ETF Clarity is not a substitute for your own research or professional advice. Decisions about your investments are yours alone and at your own risk.
• Our liability is limited to the amount you paid for the report or the credits. This limit does not apply in the event of intent or gross negligence on our part, and it does not affect your statutory rights as a consumer, such as the right to a report that conforms to the contract (repair, replacement or your money back).

7. Complaints

Have a complaint about the report or the payment? Email info@koersradar.nl and we'll respond as soon as possible.

8. Governing law

These terms are governed by the law of the Netherlands. If you're a consumer resident elsewhere in the EU, you remain entitled to any mandatory consumer-protection rules of your own country of residence.