Joyful Harmony C&C OY
Terms & Conditions 

Effective Date: 1.3.2026 

1. Service Provider 

Joyful Harmony C&C (Coaching & Content)

Business ID (Finland): 3601123-8

Registered Address: Sturenkatu 26, 00530 Helsinki, Finland

2. General

These Terms & Conditions govern the relationship between Joyful Harmony C&C Oy ("the Company") and its customers ("the Customer"), including private individuals, businesses and organisations.

The Company provides digital products (including online courses), coaching services and creative content production services.

3. Agreement

Each purchase constitutes a separate agreement between the Customer and the Company. The agreement becomes effective once the Customer purchases a service or product. The Customer is under no obligation to purchase additional products or services and is not committed to any recurring subscription or monthly payments unless explicitly agreed otherwise.

The agreement ends when the purchased service has been fully delivered.

4. Prices

The Company reserves the right to change the prices of its services at any time. The price displayed at the time of purchase is the valid price for that service. All prices include Finnish Value Added Tax (VAT) of 25.5%, unless otherwise stated.

5. Payment Terms

The Company offers various payment methods, including online banking payments and credit or debit card payments. Available payment methods are displayed during checkout. Payments are securely processed through Stripe Payments Europe Ltd and Kajabi LLC. Depending on the payment method, Stripe, Kajabi or their payment partners may appear as the payment recipient on your bank or card statement.

Customers are encouraged to review the Terms of Service of both Stripe and Kajabi before completing their purchase.

Late payments are subject to interest in accordance with the Finnish Interest Act, together with any reminder fees and debt collection costs permitted by law.

If payment remains outstanding after a payment reminder has been issued, the Company may transfer the unpaid debt to a debt collection agency. Any debt collection costs incurred will be added in accordance with the agency's applicable pricing.

The Company reserves the right to suspend the Customer's access to purchased services if payments, including instalment payments, remain overdue. Suspension of access does not release the Customer from their payment obligations.

The Company is not responsible for agreements entered into between the Customer and any third-party payment provider. If the Customer chooses an instalment payment service offered by a third party, all payment obligations are governed by the agreement between the Customer and that provider. Customers are responsible for reviewing the applicable terms before selecting a payment method.

6. Instalment Payments

1. If the Company offers an instalment payment option, the Customer agrees to pay the full purchase price through the agreed number of instalments. The first instalment is charged immediately upon purchase. Remaining instalments are automatically charged monthly using the payment method provided by the Customer.
2. If an automatic payment cannot be processed, access to the purchased services will be suspended immediately. Access will be restored once the outstanding instalment has been paid.
3. Suspension of access does not cancel or reduce the Customer's obligation to pay any outstanding or future instalments.
4. The Customer is responsible for ensuring that sufficient funds are available on the selected payment method for all scheduled instalments. If multiple instalments remain unpaid, the Company reserves the right to charge all outstanding instalments immediately.
5. If automatic payment continues to fail despite repeated attempts and written payment reminders, the Company may invoice the remaining balance in full with a payment term of fourteen (14) days. Where invoicing becomes necessary due to failed automatic payments, the Company reserves the right to add a payment reminder fee permitted under Finnish law.

7. Changes to These Terms

The Company reserves the right to amend these Terms & Conditions at any time. Customers are responsible for reviewing the current Terms & Conditions before using the Company's services. If the Customer does not agree to the amended Terms & Conditions, they must immediately discontinue using the Company's website and services.

8. Privacy and Personal Data

The Company processes all personal data in accordance with applicable data protection legislation, including the EU General Data Protection Regulation (GDPR). Information about how personal data is collected, processed and protected is available in the Company's Privacy Policy, which can be found on the Company's website.

9. Limitation of Liability

1. The Company shall not be liable for any direct, indirect, incidental or consequential loss, damage or expense arising from the purchase, delivery or use of its products or services, except where liability cannot be excluded under mandatory applicable law.
2. The Company is not responsible for technical issues affecting the website, order processing or access to services, nor for interruptions or failures caused by third-party service providers, including but not limited to online course platforms, payment service providers or system outages.
3. The Company is not responsible for any decisions, actions or outcomes resulting from the Customer's use of the Company's services, products or materials. Coaching, educational content and digital products are intended to support personal and professional development. Individual results will vary depending on each Customer's circumstances, commitment and implementation. The Company does not guarantee any specific personal, professional or financial results, including immediate financial gain.
   
   

    10. Governing Law and Dispute Resolution

     These Terms & Conditions have been prepared to provide clarity and prevent disputes wherever possible. Should a dispute arise, the Customer and the Company agree to first seek an amicable resolution through mutual discussion and negotiation. If a consumer dispute cannot be resolved through negotiation, Finnish consumers may refer the matter to theFinnish Consumer Disputes Board(www.kuluttajariita.fi). Before doing so, consumers are encouraged to contact theFinnish Consumer Advisory Services (www.kuluttajaneuvonta.fi) for guidance. These Terms & Conditions shall be governed by and interpreted in accordance with the laws of Finland. Any dispute arising out of or relating to these Terms & Conditions shall be submitted to the competent court in the Company's registered domicile in Finland, unless otherwise required by mandatory applicable law.

 11. Coaching Disclaimer

The coaching services provided by Joyful Harmony C&C Oy are intended for personal and professional development. Coaching is not psychotherapy, counselling, medical treatment or legal or financial advice, and should not be considered a substitute for professional healthcare or other licensed services.The Customer is solely responsible for their own decisions, actions and results throughout the coaching process.