Terms and Conditions of Sale

Article 1: Description of the Services Offered by Startup Académie

1.1: Nature of the Courses

Startup Académie offers computer science and coding courses, available in the following formats:

• Online classes: live classes by video call, with an instructor and a small group of students, accessible from any country via an internet connection. This is not e-learning: no class is provided as pre-recorded videos or modules.
• In-person classes: delivered in partner training centers or in venues approved by Startup Académie around the world, subject to geographical availability.

The courses cover in particular: introduction to programming, web development (HTML, CSS, JavaScript), creation of mobile apps and video games, robotics and electronics, artificial intelligence adapted for children, cybersecurity, digital design (UI/UX), advanced office software and collaborative tools.

1.2: Target Audience

Startup Académie courses are intended exclusively for children and young learners, adapted to different learning levels and age groups. Any enrollment for a child or young person must be made by their legal representative.

1.3: Delivery Methods

Online classes are delivered exclusively live, at a set time, via secure video call platforms. Access to the classes requires computer equipment and a stable internet connection. Startup Académie cannot be held liable for any failure of the Client's internet network.

1.4: Language of the Classes

Classes are taught in the languages available depending on the instructors and the Client's region. The language of instruction is specified in the description of each course. Startup Académie endeavors to offer classes in the learner's native language or in a language the learner masters.

1.5: Venue of In-Person Classes

The address of in-person classes is communicated to the Client upon enrollment. It may change during the year or at the start of the school year. Startup Académie only opens a limited number of time slots per city: it rents its rooms according to these time slots and may change venue to reduce its costs and keep its prices affordable.

In the event of a change, the new venue remains located in the city indicated at enrollment or in its metropolitan area (for example, for the Strasbourg classes, within the territory of the Eurométropole de Strasbourg). The Client is informed of the new address by e-mail before the first session concerned.

A change of address under these conditions does not modify the contract and does not constitute grounds for cancellation or refund.

Article 2: Enrollment and Ordering Conditions

2.1: Enrollment Process

To enroll in a course, the Client must: go to the Startup Académie website and select the desired course, create an account or log in to their client area, provide the required personal information, select the level, format and pricing option, expressly accept these Terms and Conditions, and make the payment.

Enrollment is only definitively confirmed once payment has been confirmed. A confirmation e-mail is sent to the Client within a reasonable time after receipt of payment.

2.2: Accuracy of Information

The Client guarantees that the information provided at enrollment is accurate and complete. In the event of inaccurate information, Adminmarketplus LLC / Startup Académie reserves the right to suspend or terminate the enrollment without compensation.

2.3: Order Confirmation

The order is deemed definitively accepted by the Client as soon as the Client has clicked the order confirmation button, after having read these Terms and Conditions. This confirmation constitutes an electronic signature within the meaning of the applicable regulations.

Any payment constitutes full and complete acceptance of these Terms and Conditions. This rule applies whatever the means used (payment on the site, payment link sent by e-mail or message, bank transfer or any other means) and even in the absence of a ticked box or signature. By making a payment, the Client acknowledges having read the Terms and Conditions in force on the date of payment, which are accessible at any time on the Startup Académie website, and accepts them without reservation.

2.4: Capacity to Contract

Any enrollment made on behalf of a minor must be carried out by a person of legal age who has legal capacity and parental authority or guardianship over the child concerned.

2.5: Refusal of Orders

Adminmarketplus LLC / Startup Académie reserves the right to refuse any order on legitimate grounds, in particular in the event of a previous dispute with the Client, suspected fraud, non-payment of a previous order or any reason related to the capacity of the chosen course.

Article 3: Prices and Payment Terms

3.0: Commitment for the school year

Enrollment in annual classes constitutes a commitment to the school-year program, i.e. ten (10) months of classes, from September to June, excluding school holidays. An enrollment taken during the year only covers the remaining months of classes until June.

The Client freely chooses how to pay for this commitment, without changing its scope:

• The full year in one payment, under the conditions of Article 3.4: two (2) months of classes out of ten are offered, i.e. a 20% reduction.
• Month by month, under the conditions of Article 3.3: the monthly installment is a payment facility debited on the 15th of each month, and not a subscription that renews or can be cancelled from month to month.

The right of withdrawal provided for in Article 6 and the cancellation cases provided for in Article 9 apply in both cases.

3.1: Prices

Course prices are indicated on the website, in euros (EUR) or in the applicable local currency, all taxes included, unless otherwise stated. Startup Académie reserves the right to change its prices at any time. Courses will be invoiced on the basis of the prices in force at the time the order is confirmed.

3.2: Payment Methods

Payment for courses is due at the time of the order. The accepted payment methods are:

• Bank card (Visa, Mastercard, American Express and other cards depending on the country)
• Bank transfer (on quotation or for institutional orders)
• PayPal and other secure online payment platforms available depending on the Client's country

Payments are processed through secure payment service providers, in accordance with PCI-DSS standards. Adminmarketplus LLC / Startup Académie does not store any of the Client's banking data on its servers.

3.3: Payment in Installments (monthly installments)

Enrollment in annual classes covers the school-year program. Startup Académie offers to pay for it month by month: this monthly installment is a payment facility, debited on the 15th of each month from the payment method registered by the Client, and not a subscription that renews from month to month. The terms (amount, date of the first debit) are specified at the time of the order. In the event of non-payment of an installment, Adminmarketplus LLC / Startup Académie reserves the right to suspend access to the course until the situation is regularized.

The school year comprises ten (10) months of classes, from September to June. An enrollment taken during the year only covers the remaining months of classes, and the number of monthly installments is reduced accordingly.

Stopping during the year. Since the monthly installment is not a subscription but the spreading of an annual commitment, a Client who ends the enrollment during the year, outside the right of withdrawal provided for in Article 6 and the cases provided for in Article 9, remains liable for half (50%) of the amount of the monthly installments remaining until the end of the school year. This sum is due at the time of the request to stop and may be debited from the registered payment method. Startup Académie may waive it, at its discretion, in the event of serious grounds (moving house, illness, family situation).

3.4: Payment of the year in one installment

The Client may choose to pay for the school year in a single payment at the time of enrollment. In this case, two (2) months of classes out of ten are offered, i.e. a 20% reduction compared with the same program paid month by month. No further debit is made afterwards.

For an enrollment taken during the year, the amount is calculated only on the remaining months of classes until June, with the same 20% reduction applying. The exact amount is displayed before payment and appears on the receipt.

The year paid in one installment gives the same rights as the monthly installment option: in the event of stopping during the year outside the right of withdrawal and the cases provided for in Article 9, no refund is due for the months not attended, unless serious grounds are accepted by Startup Académie.

3.5: Invoices

An invoice or payment receipt will be sent to the Client electronically to the e-mail address provided at enrollment, within a reasonable time after payment.

3.6: Late Payment and Non-Payment

In the event of non-payment on the due date, Adminmarketplus LLC / Startup Académie reserves the right, without prior formal notice, to immediately suspend access to the courses, to demand immediate payment of all sums due, and to apply late payment penalties in accordance with the legal provisions in force.

Article 4: Identification of the Parties and Legal Information

4.1: Startup Académie, trade name of Adminmarketplus LLC

STARTUP ACADEMIE is the trade name of the company Adminmarketplus LLC. It designates a computer science and coding school for children and young learners, online and in person, in all countries where its services are available.

The trade name "Startup Académie" is not a company as such. All sales made under this name, on this site or by any other means, are concluded with Adminmarketplus LLC, which operates it.

4.2: The Operating Company (Adminmarketplus LLC)

Company name: Adminmarketplus LLC
Trade name operated: STARTUP ACADEMIE
Legal form: single-member Limited Liability Company (LLC) governed by US law
State of registration: New Mexico, USA
Registration number (Entity ID, New Mexico Secretary of State): 0008070475
Date of registration: December 26, 2025
Address (registered agent): 1209 Mountain Rd Pl NE, Ste R, Albuquerque, NM 87110, USA
Contact e-mail: contact@startupacademie.com

4.3: International Operation

Startup Académie is a trade name operated in various countries in accordance with the applicable local regulations. In all cases, whatever the geographical location of the Client and of the instructor, these Terms and Conditions apply in their entirety.

4.4: The Client

The Client means any natural person of legal age (or their legal representative in the case of a minor) or any legal entity that purchases a course or service offered by Startup Académie. By placing an order, the Client declares that they have read, understood and accepted these Terms and Conditions without reservation.

Article 5: Purpose and Scope of these Terms and Conditions

The purpose of these Terms and Conditions is to define the respective rights and obligations of Adminmarketplus LLC / Startup Académie and of the Client in connection with the sale of computer science and coding courses.

They apply, without restriction or reservation, to all services offered by Startup Académie, regardless of the delivery format (online or in person), the Client's country of residence, or the level or course module chosen.

Adminmarketplus LLC / Startup Académie reserves the right to amend these Terms and Conditions at any time. Amendments take effect as soon as they are published on the website. Orders placed before the amendment remain governed by the Terms and Conditions in force on the day of the order.

Article 6: Right of Withdrawal

6.1: Right of Withdrawal for Clients Residing in the European Union

In accordance with Article L. 221-18 et seq. of the French Consumer Code, any Client residing in the European Union who is a consumer has a period of fourteen (14) calendar days to exercise their right of withdrawal, starting from the day after the conclusion of the contract, without having to give reasons for their decision or pay any penalties.

6.2: How to Exercise the Right of Withdrawal

To exercise this right, the Client must notify Adminmarketplus LLC / Startup Académie of their decision to withdraw, in particular:

• By e-mail to: contact@startupacademie.com
• By registered letter with acknowledgment of receipt to: Adminmarketplus LLC, 1209 Mountain Rd Pl NE, Ste R, Albuquerque, NM 87110, USA

6.3: Effects of Withdrawal

In the event of valid exercise of the right of withdrawal, Adminmarketplus LLC / Startup Académie will refund all sums paid in full within a maximum of fourteen (14) calendar days, using the same payment method as the one used for the order.

6.4: Exceptions to the Right of Withdrawal

In accordance with Article L. 221-28 of the French Consumer Code, the right of withdrawal cannot be exercised in particular where the Client has expressly requested that the course begin before the end of the withdrawal period, and the course has already begun.

6.5: Clients Outside the European Union

Clients residing outside the European Union do not automatically benefit from the statutory right of withdrawal as defined above. However, Startup Académie may, on a commercial and discretionary basis, accept cancellation or refund requests under the conditions defined in Article 9.

Article 7: Protection of Minors

Startup Académie attaches paramount importance to the safety and protection of minors.

7.1: Responsibility of the Legal Representative

Any enrollment of a minor must be made by their legal representative (parent, guardian or any person with parental authority). The legal representative is solely responsible for the minor's use of the services.

7.2: Supervision of Online Classes

For classes delivered online, Startup Académie strongly recommends that legal representatives supervise the child's training sessions, in particular for children under 10 years of age.

7.3: Child Protection Charter

All Startup Académie instructors and speakers are required to comply with a Child Protection Charter, which in particular prohibits any unsupervised private communication with a minor outside the official Startup Académie platforms.

7.4: Collection of Minors' Data

The collection and processing of minors' personal data are subject to stricter rules, in accordance with the GDPR. For children under 16, the consent of the legal representative is strictly required before any data is collected.

7.5: Capture of Images and Sound during Classes

Startup Académie may take photographs and video recordings during sessions, both on its premises and online, in order to present its activities on its website and social networks.

The face of each minor is systematically made unidentifiable (blurred) before any publication. No surname, first name, class or any information that could identify a child accompanies these publications. Published audio recordings never include a student's surname or first name.

By enrolling a minor, the legal representative accepts these recordings under the above conditions. They may object at any time, without having to give reasons and free of charge, by simple request to contact@startupacademie.com: the child is then excluded from any recording, and content already published concerning them is removed as soon as possible.

Any publication in which a minor would appear in an identifiable manner, in particular without blurring of the face, would be subject to a separate written authorization request to their legal representative.

7.6: Reporting Inappropriate Behavior

Any inappropriate behavior observed in the course of the classes must be reported immediately to the e-mail address: contact@startupacademie.com. Startup Académie undertakes to handle any report with the utmost diligence.

Article 8: Client's Obligations

8.1: General Obligations

The Client undertakes to: provide accurate and up-to-date information at enrollment, use the services in accordance with these Terms and Conditions, not disrupt the proper running of the classes, respect the intellectual property rights of Startup Académie, and inform Startup Académie of any change in their contact details.

8.2: Code of Conduct

During the courses, any form of harassment, discrimination, insult or disrespectful behavior is strictly prohibited. Any serious breach may result in the learner's exclusion without refund, after formal notice has remained unheeded.

8.3: Use of Access Credentials

The usernames and passwords for accessing the Startup Académie online platform are personal and confidential. The Client undertakes not to disclose them to third parties.

8.4: Required Equipment

For online classes, the Client is solely responsible for obtaining the hardware and software needed to take part properly in the courses. The minimum required configuration is indicated on the Startup Académie website.

Article 9: Cancellation and Refund Policy

9.1: General Principle

The cancellation and refund rules depend on the course format: remote (online) or in person. They apply outside the exercise of the statutory right of withdrawal provided for in Article 6, which remains subject to the time limits set by law.

9.2: Remote Classes (online)

For remote classes, the Client may request the cancellation of a session under the following conditions:

• Cancellation more than 48 hours before: full refund of the session, or rescheduling to a later date subject to availability
• Cancellation between 24 and 48 hours before: refund of 50% of the session, or rescheduling subject to availability
• Cancellation less than 24 hours before: no refund. Rescheduling may be offered on an exceptional basis, at the discretion of Startup Académie

In the event of exceptional circumstances beyond the Client's control (serious illness, death of a relative, natural disaster, etc.), Startup Académie may, upon presentation of supporting documents, grant a full or partial refund.

For accounting management reasons, Startup Académie has a maximum period of six (6) months to make any refund relating to remote classes, starting from the refund agreement.

9.3: In-Person Classes

In-person classes involve a room, an instructor and a limited number of places, reserved for the learner. For this reason, no refund is granted for personal convenience.

A full or partial refund may only be granted if the following three conditions are met:

• the request is based on valid and justified grounds (see the list below)
• the request is accepted by Startup Académie, after review of the supporting documents
• no alternative solution could be found within six (6) months from the request (rescheduling, another time slot, another venue or switching to remote classes)

The following are, in particular, considered valid grounds:

• illness or accident of the learner permanently preventing them from attending classes, upon presentation of a medical certificate
• death of a relative of the learner
• the household moving outside the city or metropolitan area where the classes take place, upon presentation of supporting evidence
• any other serious, unforeseeable event beyond the Client's control

The request must be sent with supporting documents to contact@startupacademie.com. A change of address of the class venue under the conditions provided for in Article 1.5 does not constitute valid grounds. Without valid grounds, Startup Académie may, at its discretion, offer to reschedule a session subject to available places, without refund.

9.4: Rescheduling and Cancellation by Startup Académie

Startup Académie reserves the right to reschedule classes, online and in person, in particular in the following cases:

• prolonged absence of the instructor (illness, unavailability, replacement in progress)
• technical problem: failure of the class platform, internet or power outage, equipment failure, unavailability of the room
• any other reason beyond its control

The Client is informed of the rescheduling as soon as possible. Rescheduled sessions are made up at a later date and do not give rise to a refund. In the event of a prolonged and justified absence of the learner, Startup Académie may also, at its discretion, offer to reschedule the missed sessions.

If a session is definitively cancelled by Startup Académie without any rescheduling being possible, the cancelled sessions are refunded under the conditions of Article 9.5.

9.5: Refund Terms

Refunds are made using the same payment method as the one used for the order. For remote classes, they are made within the maximum period of six (6) months provided for in Article 9.2. For in-person classes, they are made at the latest at the end of the six (6) month period provided for in Article 9.3.

Article 10: Obligations of Startup Académie / Adminmarketplus LLC

10.1: Best-Efforts Obligation

Startup Académie undertakes to use all reasonable means to deliver the courses under the best possible conditions. Startup Académie is bound by a best-efforts obligation and not by an obligation of result as regards the learner's educational progress.

10.2: Quality of Instructors

Startup Académie undertakes to select qualified, experienced instructors who have undergone a rigorous vetting process. All instructors are required to comply with the Child Protection Charter.

10.3: Continuity of Service

Startup Académie undertakes to ensure continuity of service as far as possible. If an instructor is unavailable, Startup Académie will endeavor to provide a replacement as soon as possible or to reschedule the session under the conditions provided for in Article 9.4.

10.4: Confidentiality

Adminmarketplus LLC / Startup Académie undertakes to treat all personal information provided by the Client with the strictest confidentiality, in accordance with the applicable personal data protection regulations.

Article 11: Intellectual Property

11.1: Rights of Startup Académie

All educational content, course materials, exercises, videos, software, digital tools, trademarks, logos and any other element distributed in connection with the courses are and remain the exclusive property of Startup Académie or its licensors, and are protected by intellectual property law.

11.2: License of Use

Startup Académie grants the Client, on a personal and non-exclusive basis, a limited license to use the educational content, solely within the framework of the course purchased and for the exclusive needs of the learner concerned. This license is non-transferable and confers no right to reproduce, distribute or commercially exploit the content.

11.3: Prohibitions

Unless with the prior written authorization of Startup Académie, the Client is strictly prohibited from reproducing, copying, downloading, distributing or selling the educational content, recording the training sessions, or using the course content for commercial purposes.

11.4: Learners' Work

Creations made by the learner in the course of the classes (projects, code, digital works) remain the property of the learner. Startup Académie may request permission to use learners' work for communication purposes, subject to the express consent of the legal representative.

Article 12: Personal Data Protection (GDPR)

In the performance of these Terms and Conditions, Adminmarketplus LLC (1209 Mountain Rd Pl NE, Ste R, Albuquerque, NM 87110, USA) acts as data controller of the personal data collected from Clients, within the meaning of Regulation (EU) 2016/679 of April 27, 2016 (GDPR).

Adminmarketplus LLC collects and processes in particular the Clients' identification, contact, location, payment, educational and communication data. This data is processed for the purposes of managing enrollments, delivering the courses, processing payments and complying with legal obligations.

In accordance with the GDPR and the amended French Data Protection Act (loi Informatique et Libertés), any data subject has the rights of access, rectification, erasure, restriction of processing, portability and objection, which can be exercised by contacting Adminmarketplus LLC at contact@startupacademie.com.

For more details, see our full Privacy Policy.

Article 13: Cookies and Trackers Policy

The Startup Académie website uses cookies and other trackers to improve the user experience, measure the site's audience and offer personalized content. The types of cookies used are strictly necessary cookies, audience measurement and performance cookies, personalization and preference cookies, and targeted advertising cookies (subject to the user's consent).

Users can configure their cookie preferences at any time via the cookie manager available on the site, or via their browser settings. For more information, see our Privacy Policy.

Article 14: Liability

14.1: Limitation of Liability

Adminmarketplus LLC / Startup Académie cannot be held liable for indirect damage suffered by the Client, in particular loss of data, loss of opportunity, commercial harm or financial losses. The liability of Adminmarketplus LLC is limited, in all cases, to the total amount actually paid by the Client for the course concerned by the dispute.

14.2: Exclusions of Liability

Adminmarketplus LLC / Startup Académie cannot be held liable for interruptions of the Client's internet network, failures of the Client's hardware, force majeure events or any decision or action of a third party independent of Startup Académie.

14.3: Hyperlinks

The Startup Académie website may contain links to third-party sites. Adminmarketplus LLC / Startup Académie has no control over these sites and disclaims all liability for their content.

Article 15: Force Majeure

Adminmarketplus LLC / Startup Académie cannot be held liable for the total or partial non-performance of its obligations where this results from a force majeure event within the meaning of Article 1218 of the French Civil Code (an event that is unforeseeable, irresistible and external to the parties).

Force majeure events include in particular: natural disasters, declared epidemics or pandemics, large-scale cyberattacks, armed conflicts, general strikes, government decisions or widespread internet or power outages.

If the force majeure event lasts more than thirty (30) consecutive days, either party may terminate the contract automatically by simple written notification, without compensation on either side.

Article 16: Suspension and Termination of the Contract

16.1: Suspension by Startup Académie

Adminmarketplus LLC / Startup Académie reserves the right to suspend a Client's access to the services in the event of non-payment or insufficient payment of sums due, non-compliance with the Code of Conduct, harmful behavior, or use of the services contrary to these Terms and Conditions.

16.2: Termination by Startup Académie

Adminmarketplus LLC / Startup Académie may terminate the contract automatically, after formal notice has remained without effect for a period of eight (8) days, in the event of a serious breach by the Client of their obligations. In the event of a particularly serious breach (fraud, behavior harming the integrity of a minor, etc.), termination may take place without notice or refund.

16.3: Termination by the Client

The Client may request the end of their contract in the cases and under the conditions provided for in Article 9 (cancellation and refund), without prejudice to the statutory right of withdrawal provided for in Article 6. Since enrollment in annual classes covers the school-year program, the monthly payment provided for in Article 3.3 remains due for the enrollment period: in the event of stopping during the year, half of the remaining monthly installments remains payable under the conditions of Article 3.3, unless valid grounds are accepted by Startup Académie under the conditions of Article 9.

Article 17: Mediation and Dispute Resolution

17.1: Customer Service

In the event of a complaint or disagreement, the Client is invited to contact Startup Académie customer service first, at the e-mail address: contact@startupacademie.com. Startup Académie undertakes to respond to any complaint within fifteen (15) working days.

17.2: Mediation for Consumer Clients Residing in the EU

In accordance with Article L. 611-1 et seq. of the French Consumer Code, a consumer Client residing in the European Union has the right to use a consumer mediator free of charge. The mediator appointed by Adminmarketplus LLC / Startup Académie is the CM2C (Centre de la Médiation de la Consommation de Conciliateurs de Justice):

• Website: www.cm2c.net
• E-mail: cm2c@cm2c.net

The Client may also use the online dispute resolution (ODR) platform set up by the European Commission, accessible on the portal ec.europa.eu/consumers/odr.

Article 18: Governing Law and Competent Jurisdiction

18.1: Governing Law

These Terms and Conditions and the contractual relations between Adminmarketplus LLC / Startup Académie and the Client are governed by and interpreted in accordance with French law, without prejudice to the mandatory provisions of the law of the consumer Client's State of residence that would be more favorable to them.

18.2: Competent Jurisdiction for Business Clients

In the event of a dispute with a business Client, and failing amicable resolution, the parties confer exclusive jurisdiction on the courts of Strasbourg, France.

18.3: Competent Jurisdiction for Consumer Clients

For disputes concerning consumer Clients residing in the European Union, the jurisdiction rules provided for by the Brussels I bis Regulation apply. The consumer Client may in particular bring proceedings before the courts of their place of residence.

Article 19: Miscellaneous Provisions

19.1: Entire Agreement

These Terms and Conditions constitute the entire agreement between the parties and supersede any prior agreement or contract on the same subject. Any amendment to these Terms and Conditions is only valid if made in writing and signed by an authorized representative of Adminmarketplus LLC.

19.2: Partial Invalidity

If any clause of these Terms and Conditions is declared null or unenforceable, it will be deemed unwritten. The other clauses will remain in force and retain their full effect.

19.3: Non-Waiver

The fact that Adminmarketplus LLC / Startup Académie does not rely at a given time on any clause of these Terms and Conditions shall not be interpreted as a definitive waiver of the right to rely on that clause subsequently.

19.4: Assignment of the Contract

The Client may not assign all or part of the rights and obligations arising from these Terms and Conditions to a third party without the prior written consent of Adminmarketplus LLC / Startup Académie.

19.5: Communications

All communications between Adminmarketplus LLC / Startup Académie and the Client will take place electronically, at the e-mail address provided at enrollment. The Client undertakes to inform Startup Académie of any change in their contact details.

19.6: Retention and Archiving

In accordance with the provisions of Article L. 213-1 of the French Consumer Code, Adminmarketplus LLC / Startup Académie will retain contracts concluded electronically for an amount exceeding 120 euros for a period of ten (10) years from the conclusion of the contract.

19.7: Accessibility and Language of the Contract

These Terms and Conditions are permanently available on the Startup Académie website, in French. If these Terms and Conditions are translated into another language for convenience, the French version shall prevail in the event of any discrepancy.

Article 20: Additional Mandatory Information

20.1: Website Host

The Startup Académie website is hosted by: HOSTINGER INTERNATIONAL LTD, 61 Lordou Vironos Street, 6023 Larnaca, Cyprus: www.hostinger.fr

20.2: Data Protection

In accordance with the amended French Data Protection Act of January 6, 1978 (loi Informatique et Libertés) and the GDPR, the personal data processing carried out by Adminmarketplus LLC is subject to the required compliance measures. For any question regarding personal data protection, the Client may contact the data controller at: contact@startupacademie.com.

20.3: Insurance

Adminmarketplus LLC / Startup Académie declares that it is covered by professional liability insurance covering the activities described in these Terms and Conditions, taken out with a recognized insurer.